【作者】 张颖；

【导师】 王苹；

【作者基本信息】 首都经济贸易大学 ， 金融（专业学位）， 2019， 硕士

【摘要】 随着科技的不断创新和大数据、云计算时代的到来,互联网的发展可谓是欣欣向荣。此时,随着互联网相关技术的发展和成熟,互联网金融应运而生,并且受到越来越多的关注。与传统金融业相比,互联网金融惠及范围更广,不仅打破了地域限制,而且为客户提供了更加快捷、高效的金融服务。因此,它的出现无疑对传统金融业产生了巨大影响。互联网货币基金作为互联网金融的一大产物,以余额宝为代表,2013年支付宝公司打造的天弘余额宝,依托互联网平台,推出的新型货币基金,刚一上线就吸引了大量的用户,资金规模不断扩大。在余额宝推出之后,其他互联网巨头也纷纷推出了自身平台下的货币基金产品。互联网货币基金其规模在近几年不断扩张,受众范围愈加广泛,以其T+0的交易模式,超低门槛的购买要求以及更高的收益等优势迅猛发展,对我国商业银行存款业务尤其是活期储蓄存款业务形成了冲击。因此,本文就是在互联网货币基金蓬勃发展的背景下,商业银行的活期储蓄存款会受到怎样的影响,影响程度有多大等等为研究重点,最后根据分析结果提出相应的措施。本文主要研究互联网货币基金对商业银行活期储蓄存款的影响。首先以研究背景和研究意义为出发点,总结国内外已有的研究成果,并且归纳了本文的研究方法、创新点和不足之处。接着从宏观角度,首先介绍了互联网金融概念和发展状况,进而对互联网货币基金的概念、发展历程以及其对商业银行造成的整体影响进行分析。之后,对居民储蓄存款概况及影响因素进行梳理,并且将互联网货币基金的发展对商业银行活期储蓄存款产生的影响进行了定性与定量分析,再结合实证研究的方式,检验了互联网货币基金对商业银行活期储蓄存款的影响程度。最后,在分析结果的基础上,给出了商业银行应对互联网货币基金影响的对策和建议。更多还原

【Abstract】 With the continuous advancement of technology and the arrival of the era of big data,the development of the Internet can be described as prosperous.At this time,with the development and maturity of Internet technologies,Internet finance came into being,and it has received more and more attention.Compared with the traditional financial,Internet finance has a wider range of benefits,not only can break geographical restrictions,but also provide customers with more convenient and efficient financial services,so it’s undoubted a huge impact on the traditional financial industry.As a major product of Internet finance,Internet Money Fund is represented by Yu’ebao.In 2013,Alipay’s Yuebao was built by Alipay.Based on the Internet platform,a new type of money fund was launched.When it was launched,it will burst into network.A large number of users,the scale of funds continues to expand,and other Internet organizations have launched their own money fund products.The scale of the Internet Money Fund has expanded in recent years,and the audience has become more extensive.With its T+0 trading model,ultra-low threshold purchase requirements and higher income,it has impacted China’s commercial bank deposit business.Diverting the customers of Chinese commercial banks’ current savings deposits,resulting in the loss of current savings deposits.Therefore,this article is how the commercial bank’s current savings deposits will be affected in the booming Internet money funds.The extent of the impact is the focus of research,and the corresponding measures will be proposed based on the analysis results.This paper mainly studies the impact of Internet money funds on current savings deposits of commercial banks.In the paper,the research background and the significance of the research are taken as the starting point,and the existing research results at home and abroad are summarized,and the research methods and the innovations and shortcomings of this paper are summarized.Then from a macro perspective,firstly,the concept and development of Internet finance are discussed,and then the concept and development process of Internet money funds are discussed.After that,the impact of the development of Internet money funds on the current savings deposits of commercial banks was qualitatively analyzed,and the empirical research method was used to test the impact of Internet money funds on the current savings deposits of commercial banks.Finally,based on the results of the analysis,the countermeasures and suggestions for the impact and impact of commercial banks on Internet money funds are given.更多还原