济南大学泉城学院毕业论文毕业论文论文题目互联网金融对银行理财产品的冲击研究一一以余额宝为例专业名称财务管理班级名称学生姓名学生学号指导教师摘要现今，人们的生活因互联网带来了巨大改变，阿里巴巴公司根据互联网金融市场的特点，推出了“余额宝”来吸引更多的客户，并且针对支付宝出现的问题和不足，在余额宝的基础上进行了补充和修改。由于互联网金融遍布全球，支付宝和余额宝在理财产品的市场里扮演着重要角色，随着互联网金融的不断发展壮大，对银行金融业提出了新的挑战。本文主要针对互联网金融产品对银行理财产品的冲击研究，根据互联网金融与银行理财产品的概述，从互联网的现状方面发现对银行理财产品造成的影响，引用案例分析法对余额宝进行深入分析，再将余额宝和银行理财产品从五个方面对比分析得出银行理财产品的优势与劣势，最后从分析中发现导致银行理财产品潜在客户流失的主要因素，得到互联网金融对银行理财产品的启示，提出一定的建议及对策。关键词：互联网金融；余额宝；银行理财产品；冲击ABSTRACTNowadays,people's life because of the Internet has brought the huge change,alibaba company according to the characteristics of the Internet financial market,launched the "balance"to attract more customers,and to pay treasure to the problemsand shortcomings,on the basis of the balance of treasure the complement andmodification.Because of the Internet financial all over the world,pay treasure totreasure and balance plays an important role in the financial product market,alongwith the continuous development of the Internet financial,puts forward a newchallenge for banking sector.This paper focuses on the impact of the Internet financial products of bankfinancing products research,according to the overview of the Internet financial andbanking financial products,from the aspects of the status quo of the Internet foundthat the effects on the bank financial products,reference case analysis method toanalyse the balance of Po,and the balance Po and bank financial products from fiveaspects that the bank finance product advantages and disadvantages,from the analysisof the final result in bank financial products the main factors of potential customerchurn,finance for Internet bank financial products enlightenment,put forward someSuggestions and countermeasures.Key words:Internet finance;Yu 'E Bao;Bank financial products;impact