| 余额宝的金融创新及对中国商业银行的启示 |
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| 引用本文： | 朱晓帆.余额宝的金融创新及对中国商业银行的启示[J].闽西职业技术学院学报,2014(4):53-57. |
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| 作者姓名： | 朱晓帆 |
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| 作者单位： | 漳州职业技术学院 经济管理系,福建 漳州,363000 |
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| 摘 要： | 余额宝是由第三方支付平台支付宝公司与基金管理公司合作,为支付宝客户提供账户余额增值的一项服务。余额宝以其独特的金融创新性及飞速发展的客户占有率引起了金融市场的高度关注和讨论。在深入分析余额宝创新性运作模式及产品定位差异化、营销渠道、技术应用三方面创新性特点的基础上,进一步探讨其对中国商业银行的启示,对商业银行的发展提出了重视"长尾"市场份额、拓展互联网营销渠道及制定大数据经营战略三方面的建议。
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| 关 键 词： | 余额宝 基金 商业银行 |
On the financial innovation of Yu’ebao and its inspiration on commercial banks |
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| ZHU Xiao-fan.On the financial innovation of Yu’ebao and its inspiration on commercial banks[J].Journal of Minxi Vocational and Technival College,2014(4):53-57. |
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| Authors: | ZHU Xiao-fan |
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| Institution: | ZHU Xiao-fan (Department of Economic Management, Zhangzhou Institute of Technology, Zhangzhou, Fujian, 363000, China) |
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| Abstract: | Yu＇ebao can provide the value-added services of the account balance for the customers through the third-party online payment system with fund management company. The financial innovation and customer share development of Yu＇ ebao attracts great attention and evokes extensive discussion all over the financial market. The innovative mode of operation, product positioning, marketing channel, and technology application of Yu＇ebao were analyzed. The inspiration on China＇s commercial banks was discussed. This article put forward three proposals for the development of commercial banks. Commercial banks should pay attention to the ＂long tail＂ market share, expand the intemet marketing channel, and formulate the big data management strategy. |
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| Keywords: | Yu’ebao fund commercial bank |
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