互联网金融创新对传统商业银行的借鉴:以余额宝为例  

Using Internet Financial Innovation for Reference to the Traditional Commercial Banks: Take Yu'ebao for Example

作　　者：许国萍[1] 

机构地区：[1]福建师范大学,福建福州350108

出　　处：《山西财政税务专科学校学报》2014年第3期24-27,共4页Journal of Shanxi Finance & Taxation College

摘　　要：互联网金融服务创新和国际化发展有助于提升国家的金融核心竞争力。现阶段,我国互联网金融发展迅速并对传统商业银行造成了一定的影响,对此,大多学者阐明了余额宝等互联网理财产品的弊端所在,并指出互联网金融企业不会颠覆传统金融业,两者不是对立的,是互补共生、相辅相成、共同成长的。本文以互联网金融理财产品——余额宝为例,通过对它的优势即理财客户的草根性、碎片化理财方式、资金的空间再分配和数据的海量性等进行分析,向传统商业银行展现互联网企业的一些成功途径,以期对其有一些借鉴与启示,促进我国传统商业银行更好地融合到互联网金融的大队列中去。The Internet financial service innovation and internationalization development will help improve the country＇s financial core competitiveness. At present,China＇s Internet financial develops rapidly and has certain influence on the traditional commercial banks. Most scholars illuminate the disadvantages of the Internet financial products such as Yu＇ebao,and point out that the Internet financial enterprise will not overturn the traditional finance,both of which are not opposing,are complementary symbiosis,complement each other,growing together. Using Yuebao as an example,I hope to show the traditional commercial bank the successful way of Internet companies through the analysis of its advantages—the grass- roots financial clients,the fragmentation of managing money,the capital space redistribution and the huge amounts of data,with a view to having some reference and enlightenment and promoting closer integration of China＇s traditional commercial banks into the Internet financial queue.

关 键 词：互联网金融 商业银行 余额宝 

分 类 号：F830.9[经济管理—金融学]