余额宝的发展与前景

东莞理工学院城市学院

本科毕业论文

毕业论文题目：余额宝发展前景分析

***名：***

学号： ************ 系别：金融与贸易系

专业班级： 11级金融学 1班

指导老师姓名及职称：肖云老师

起止时间：2014年12月——2015年5月

摘要

随着阿里巴巴推出“余额宝”这一种全新的互联网金融模式后，很多人受为广之。跟着时代的步伐，许多人被余额宝这种新颖的模式和诱人的利率吸引，并将自己的大部分财产投入进去。余额宝之所以发展迅速，而且能短时间受人们热捧，因为它没有购买最低限制，流通和操作方便，但同时余额宝的利率还是不够两年以上定期存款高，而且存在一定的风险性。正因为余额宝的快速发展促使它在人们生活甚至金融活动中影响广泛，它的推出进一步加快互联网对金融市场的重组，对商业银行的冲击尤其显著。

本文集中阐述了余额宝的相关概念及背景，围绕余额宝的优势、劣势做了相应的分析，从每个角度分析余额宝的现状与影响，讨论余额宝如何在一个信息化的时代下发展。

本文针对余额宝的全面发展和影响进行一系列的探讨，如"余额宝"能如此迅猛的发展,成功基因是什么,潜在的规模有多大,规模发展后有哪些困难和瓶颈,是否会对传统的银行业产生巨大的冲击? 等发展性问题，并提出切实可行的政策建议。

关键词：余额宝互联网金融发展前景

ABSTRACT

With the launch of Ali Baba "Yuebao" ,a kind of new Internet financial model, many people suffer for extension. Follow up with the times, many people are attracted to this novel mode of Yuebao and attractive interest rates.Most of their possessions into it. The reason why the rapid development of the Yuebao, but also favorable for a short time by the people, because it does not purchase a minimum limit for easy distribution and operations.However, at the same time, Yuebao more than two years is not enough time deposit interest rate is high, but there is a certain risk. Because of the rapid development of the balance of the treasure to promote its widespread influence in people's lives and even financial activities, which further accelerate the introduction of the Internet reorganization of the financial markets, the impact of the commercial banks was particularly notable.

This paper focuses on the Yuebao of the related concepts and background treasure,around the Yuebao of advantages and disadvantages do the appropriate analysis, analysis of the status and Yuebao from every angle, how to discuss the development of the balance of treasure in an information age.

In this paper, a comprehensive development and affect the balance of a series of treasure to explore, such as "Yuebao" could be so rapid development, what genes are successful, there is much potential for scale, the scale of development after the difficulties and bottlenecks, whether it be traditional have a huge impact on the banking sector? such as development issues, puts forward some feasible policy suggestions.

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Key words:Yuebao Internet Financial prospects for development

目录

一、引言1

二、余额宝的简介

（一）余额宝的定义1

（二）余额宝的具体运作流程2

（三）余额宝的创新4

三、余额宝的发展现状6

（一）余额宝的现状6

（二）余额宝的发展机遇6

四、余额宝发展存在的难题9

（一）投资风险9

（二）监督机制10

（三）行业竞争11

五、余额宝的发展前景分析12

（一）余额宝的前景分析13

（二）余额宝的风险防范14

六、总结

参考文献

致谢