互联网金融的发展对我国银行业的影响与启示研究--从余额宝角度进行分析

摘要

近年来，伴随着电子商务的快速发展，互联网金融得到了极大发展，尤其是2013年6月17日余额宝的诞生，使得人们重新评估互联网金融对银行的影响。文章以余额宝为例，从对银行活期存款、银行理财业务以及对未来银行开展小微企业贷款三方面分析了互联网金融对商业银行带来的影响，并给出了相应的对策建议。%In recent years,with the development of e-commerce,internet financial has been a geat development,especially Jun 17,2013,the balance of treasure was born,making the people to re-evaluate the internet financial influence.The balance of treasure,for ex-ample,demand deposits from the banking,financial services banking on the future of small micro-enterprise loans banks three aspects of financial analysis of the impact of the internet on the commercial banks,and gives the corresponding countermeasures and suggestions.