互联网金融对商业银行的冲击  

Impact of Internet Financial Impact on Commercial Banks

作　　者：景海霞[1] 寇明婷[1] 

机构地区：[1]山西大同大学商学院,山西大同037009

出　　处：《山西大同大学学报（社会科学版）》2015年第3期89-92,共4页Journal of Shanxi Datong University(Social Science Edition)

基　　金：教育部人文社会科学研究项目(13YJC790062);山西大同大学博士科研启动项目(2012-B-29)

摘　　要：互联网的迅速发展,引发了传统商业经营模式的变化,互联网金融的创新进一步推动了对银行类传统金融服务业务改革的深层思考。本文运用事件研究方法探究了余额宝推出对银行板块的影响,结果显示:余额宝推出对银行业有短期负面效应,且从长期来看,负面效应的影响不能忽视。因此,在互联网时代商业银行控制和垄断金融业务、金融渠道的局面受到了显著的冲击,商业银行应加快金融业制度调整与创新的步伐。The rapid development of Internet has been causing the change of the traditional business management model,and the Internet financial innovation is further promoting the deep thinking of reform from the traditional financial services business in Banks. Using event study method,this paper explores impact of Yu Ebao on the banking sector,and the results show that it has short-term negative effects on the banking sector,and the negative effects can not be ignored in the long run. Therefore,in the Internet age,the situation is notably influenced on commercial bank which is controlling and monopolizing channel,and they should speed up the pace of adjustment and innovation of financial system.

关 键 词：余额宝 互联网金融 事件研究法 

分 类 号：F832.7[经济管理—金融学]