余额宝对国有商业银行的冲击及对策

The Impact of Yu’E Bao on State-Owned Commercial Banks and Its Countermeasures

摘要: 自天弘增利宝货币基金出现以来，互联网金融快速崛起，余额宝凭借自身收益高、操作便捷、门槛低以及流动性强等显著优势，在互联网金融市场迅速发展，逐渐成为市场上规模最大的货币基金。本文对余额宝的发展现状进行研究，具体分析了余额宝的快速发展会导致国有商业银行增加存款资金成本、减少理财销售业务、冲击基金代销业务、迫使金融产品创新以及削弱国有银行的核心位置，以便在余额宝等互联网金融产品的冲击下，找到国有商业银行未来发展的对策。

Abstract: Since the emergence of Tianhongzenglibao’s currency fund, Internet finance has rapidly emerged. With its significant advantages such as high income, convenient operation, low threshold, and strong liquidity, Yu’E Bao has developed rapidly on the Internet and has gradually become the largest monetary fund in the market. This paper studies the development status of the Yu’E Bao, specifically analyzes that the rapid development of the Yu’E Bao will lead state-owned commercial banks to increase the cost of deposit funds, reduce the wealth management sales business, impact the fund sales business, force financial products to innovate, and weaken the core position of state-owned banks, in order to find the countermeasures for the future development of state-owned commercial banks under the impact of the balance of Internet financial products.