摘要
由于互联网金融对传统金融业务不断挤占,以余额宝为代表的互联网基金明显冲击着商业银行。介绍了余额宝的概况,对其初期的运行和当前发展状况进行了分析,论述了其与商业银行的博弈,总结了互联网基金类金融产品的效应,并对互联网金融产品与商业银行的未来进行了评析。
As the Internet finance constantly impacts on the financial services of traditional banks, the Internet fund with Yu eBao as a representative is apparently impacting on commercial banks. The paper gives an overview of Yu eBao, analyzes its development at the early stage and the current status of development, discusses the game between Yu eBao and commercial banks, summarizes the effects of the financial products of the Internet fund, and makes comment on the future of the internet financial products and commercial banks.
出处
《河南工业大学学报（社会科学版）》
2014年第4期73-79,共7页
Journal of Henan University of Technology:Social Science Edition
