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摘要2013年6月13日余额宝正式上线，随后不久就在金融界引起一场轰动，网友们都猜测余额宝可能会冲击银行的活期存款、理财产品以及基金代销业务。事实上余额宝确实冲击益情况，运用spss进行描述性分析，进而得出余额宝收益高于银行的结论，随后引入余额宝这个话题，正文首先介绍余额宝，分析其优劣势，并对其发展进行分析，而后介绍银行的现状，比较银行和余额宝，最后对余额宝对我国银行业造成的影响做分析，并揭示银行业未来的发展趋势。关键词：余额宝、银行业、冲击、理财产品、活期存款、基金代销业务IIAbstractInJune17,2013YuEBaoofficiallylaunched,andinthefinancialcommunitycausedquiteastir,netizenshavespeculatedthatYuEBaomayimpactonbankdeposits,financialproducts,funddistributionbusiness.Infactitdoesimpactthebankbusiness,itwillhavetopaymoreattentiontothebankfromallwalksoflife.YuEBaocanhavesuchagreatinfluence,itsgreatestadvantageliesinthedualfunctionsoffinancinganditcanconsumptionatanytime,theYuEBaohascharacteristicsthanbankdepositmuchhigherreturnsandreadytoonlineshoppingconsumption,leadingtothepartofthebankdepositgrassrootcustomersintotheYuEBao,althoughthesenumbersandexistingbankingcustomerscalethanbenotatallsurprising,butitcannotbeignored.InordertofurtheranalysisoftheadvantageofYuEBao,thisarticlebeginswiththecaseanalysisintheformofmoneyintheYuEBaoandontheearningsofbanks,theuseofSPSSwereanalyzedbydescriptiveanalysis,andthendrawtheYuEBaoincomehigherthanbankconclusion,thenintroducethistopicofYuEBao,thetextintroducesYuEBao,analyzesitsadvantagesanddisadvantages,andtheanalysisofitsdevelopment,andthenintroducesthestatusofbanks,morebanksandbalanceoftheYuEBao,treasureofChina'sbankingindustrybyanalysis,andrevealsthedevelopmenttrendofthefuturebanking.Keywords：YuEBao、banking、toattack、financialproducts、demanddeposits、thefunddistributionbusinessIII目录摘要...................................................................................................................................................IAbstract............................................................................................................................................II绪论..................................................................................................................................................11.余额宝和银行业的分析...............................................................................................................11.1余额宝产生的背景............................................................................................................11.1.1.金融背景...............................................................................................................11.1.2其他背景...............................................................................................................21.2余额宝的简介....................................................................................................................21.2.1余额宝的利息收益计算方法................................................................................21.3银行业的现状分析...........................................................................................................31.3.1银行业的成就........................................................................................................31.3.2银行业目前存在的问题.......................................................................................31.4余额宝和银行业的比较...................................................................................................51.4.1余额宝的优势所在................................................................................................51.4.2余额宝的缺点.......................................................................................................62.余额宝对银行业的冲击...............................................................................................................62.1余额宝对银行存款的冲击................................................................................................62.1.1余额宝和银行存款的收益比较............................................................................62.1.2余额宝和银行存款各自的规模............................................................................82.2余额宝对理财产品的冲击................................................................................................82.3余额宝对基金代销业务的冲击........................................................................................93.余额宝给银行业带来的启示.....................................................................................................103.1银行理应注意的几个方面..............................................................................................103.1.1新增客户的重要性..............................................................................................103.1.2屌丝大众的重要性................................................................错误!未定义书签。3.1.3“入口”的重要性...............................................................................................103.1.4、客户体验的真正流畅.......................................................................................113.2余额宝对商业银行的启示..............................................................................................113.2.1提高客户的活期存款价值..................................................................................113.2.2增加“入口”，挖掘互联网渠道的潜力............................................................123.2.3制定大数据经营战略，打造联盟电商平台......................................................124.余额宝和银行业的发展前景