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摘 要：现如今阿里巴巴利用互联网对金融业慢慢渗透，商业银行在金融业务各方面的垄断被打破了，余额宝里支付宝存款不仅可以赚取利息，而且其利率比传统金融业务更加高，其操作简单，并且没有最低购买限制，其在短期内吸收了巨大需求资金，导致其在商业银行产生了冲击，当然，在一定程度上，也有一定的风险，基于余额宝的特点，对其风险进行分析，对于余额宝和商业银行两者提出了相应的建议，并分析了余额宝的影响可能是针对中国传统金融业即选取了中国商业银行为代表，本文通过对阿里巴巴余额宝的特点和风险进行时政分析，挑出主要存在的几个问题，并针对存在的问题进行一系列建议与改进措施。56916
毕业论文关键词： 余额宝，商业银行，影响，分析
Abstract：Alibaba now use the Internet for the financial sector gradually permeate, in all aspects of the commercial Banks in the financial business monopoly was broken, and the balance pay treasure in treasure deposit can not only earn interest, and the interest rate is higher than traditional financial business more, its operation is simple, and no minimum purchase limit, its absorption of the huge demand in the short run, cause its produced a shock in the commercial bank, of course, to a certain extent, also has certain risk, based on the balance of the characteristics of the treasure, to analyze its risk, to balance both treasure and commercial Banks to put forward the corresponding suggestion, and analyses the balance treasure may be aimed at the influence of the traditional Chinese financial industry selection as represented by the commercial bank of China, this article through to the characteristics of the balance of alibaba treasure and risk analysis of the current politics, pick out the main existing problems, and a series of Suggestions on the existing problems and improving measures.
Keyword：The balance of the treasure , Commercial Banks, impact , Analysis
目 录
1 引言 5
2 余额宝的现状分析 5、
2.1 余额宝的收益 5
2.2 余额宝的风险 6
2.3 余额宝的风险控制措施 6
2.4 余额宝与银行比较 7
2.5 余额宝的未来发展前景 7
3 我国商业银行的发展现状 8
3.1 商业银行的发展趋势 8
3.2 商业银行的存在的问题 9
4 余额宝对商业银行的影响 10
4.1 余额宝对银行业市场地位的影响 10
4.2 余额宝对商业银行活期存款的影响 10
4.3 余额宝对理财产品的影响 11
4.4 余额宝对商业银行后续影响 11
5 针对余额宝对商业银行的影响采取的对策 11
5.1加强与客户的个性化服务 11
5.2尽快推出类似产品 11
5.3积极创新，树立顺应潮流意识 12
5.4深入信息技术加强银行管理 12
结 论 13
参考文献