“双宝”对传统商业银行的影响.pdf

“双宝”对传统商业银行的影响
摘要
随着社会的进步,人们不断去寻求更高一层次的享受,这也就间接促进了
许多方面的快速发展,就比如智能机器人以及互联网络的出现等。而这些高新
东西的出现,自然就会对传统的东西造成压力,就像现在的电子商务和传统商
业银行的关系,在上世纪的中国,传统商业银行都是中国金融商业方面的龙头
老大,他们的地位不可撼动,而如今就不同了,“双宝”的横空出世使得传统
商业银行优势不再,而且压力倍增,传统商业银行对此又该如何应对呢?而本论
文就是研究支付宝这第三方支付平台带来的各方面的好处,和余额宝这种理财
产品的巨大优势以及“支付宝”和“余额宝”对传统商业银行的影响。
[关键词] 支付宝;余额宝;传统商业银行;优劣;影响
Abstract
With the progress of the society, people continue to seek a higher level of
enjoyment, it also indirectly promotes the rapid development of many aspects, such as
intelligent robot, and the emergence of the , etc. And these high-tech things,
will stress on the traditional things, like right now of the relationship between e-
commerce and mercial Banks in China in the last century, the
mercial Banks are financial business in China, their status
unchallenged, but now is different, "double treasure" was born of the traditional
commercial bank advantage no longer, pressure, and the mercial Banks
should be how to deal with this? And alipay are studied in this paper is the benefits of
all aspects of the third-party payment platform, balance the superiority of this kind of
financial product and treasure "alipay" and "Yuebao" impact on the traditional
commercial bank.
[Key words]Alipayz;Yuebao;The mercial Banks;Advantages and
disadvantages; impact
目录
1 引言..........................................................1
2 “双宝”的概念................................................1
“支付宝”...................................................2
“余额宝”...................................................2
3 “双宝”与传统商业银行的优劣对比..............................3
“双宝”的优势...............................................3
“支付宝”的优势...........................................3
“余额宝”的优势...........................................3
“双宝”的劣势...............................................4
...........................................5
...........................................5
4 “双