| 余额宝高收益后的风险及其对我国商业银行的影响 |
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| 引用本文： | 关沁晖.余额宝高收益后的风险及其对我国商业银行的影响[J].湖南工业职业技术学院学报,2014(3):28-30,37. |
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| 作者姓名： | 关沁晖 |
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| 作者单位： | [1]广东广播电视大学,广东广州510091 [2]广东理工职业学院,广东广州510091 |
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| 摘 要： | 2013年6月17日,阿里巴巴在其第三方支付平台支付宝上推出了一款全新的余额增值服务"余额宝"。这项新型的服务自推出以来一直高调宣传其收益率远高于同期银行活期存款利率,而成为一时网友们纷纷热议和追捧的对象,在金融界牵起了一场金融改革创新的浪潮。基于此,本文首先就余额宝这一创新理财服务的基本业务和产生背景进行介绍,再分析其在创新方面的特点及高收益背后的风险,进而探讨其对我国商业银行的影响和未来发展的前景。
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| 关 键 词： | 余额宝 高收益 风险 前景 |
A Brief Analysis on the High-yield Risk of Yu E Bao and Its Impacts on Commercial Banks in China |
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| GUAN Qin-hui.A Brief Analysis on the High-yield Risk of Yu E Bao and Its Impacts on Commercial Banks in China[J].Journal of Hunan Industry Polytechnic,2014(3):28-30,37. |
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| Authors: | GUAN Qin-hui |
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| Affiliation: | GUAN Qin-hui (Guangdong Radio ＆ TV University/Guangdong Polytechnic Institute, Guangzhou 510091 ,Canton) |
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| Abstract: | On June 17^th in 2013, Alibaba announced a brand new financial service called ＂Yu E Bao＂ in China. It is introduced as its yield is much higher than bank deposit, and it soon became a hot target for internet users and later across the country, and it bring a financial innovation in China. Based on this financial innovation storm, this article introduces the facts of Yu E Bao, analysis its innovation brings in the financial area, and points out the possible risks behind it. Last but not least, this article discusses the effects it brings to the commercial banks in China, and its prospect of future development. |
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| Keywords: | Yu E Bao High-yield risk prospect |
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