余额宝对商业银行的影响与分析
发布时间：2018-10-22 19:16
【摘要】：随着不断发展和普及的互联网技术,对传统的金融业发展造成了严重的影响和限制,从上个世纪九十年代开始,我国的商业银行中的业务就已经能够实现互联网自助办理,并随着数据挖掘、云计算、大数据等技术的出现不断更新。随着支付宝软件的出现,银行中多项传统业务都受到了一定程度的冲击,但是对其根本业务的冲击力度不大。在2013年支付宝平台推出了"余额宝"增值服务,由于其操作方便、没有金额限制、安全程度较高等方面的优点,直接减少了商业银行的经济利益。
[Abstract]:With the continuous development and popularization of Internet technology, the development of the traditional financial industry has been seriously affected and restricted. Since the 1990s, the business in commercial banks in China has been able to achieve self-service on the Internet. And with data mining, cloud computing, big data and other technologies continue to update. With the emergence of Alipay software, a number of traditional business in the bank have been impacted to a certain extent, but the impact on its basic business is not strong. In 2013, Alipay platform launched "Yu'e Bao" value-added service, which directly reduces the economic benefits of commercial banks because of its advantages of convenient operation, no restriction of amount of money, high level of security and so on.
【作者单位】： 辽宁大学经济学院;
【分类号】：F724.6;F832
本文编号：2288069
[Abstract]:With the continuous development and popularization of Internet technology, the development of the traditional financial industry has been seriously affected and restricted. Since the 1990s, the business in commercial banks in China has been able to achieve self-service on the Internet. And with data mining, cloud computing, big data and other technologies continue to update. With the emergence of Alipay software, a number of traditional business in the bank have been impacted to a certain extent, but the impact on its basic business is not strong. In 2013, Alipay platform launched "Yu'e Bao" value-added service, which directly reduces the economic benefits of commercial banks because of its advantages of convenient operation, no restriction of amount of money, high level of security and so on.
【作者单位】： 辽宁大学经济学院;
【分类号】：F724.6;F832
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