余额宝是近年来最为畅销的金融产品之一,它的成功应用昭示着互联网金融时代的到来,同时也促进了传统的金融行业的改革。余额宝对接天弘基金的增利宝,得到了支付宝客户的极大认可,在短短一个月的时间内募集超过百亿元的金融,这也引起了金融市场的广泛关注及讨论。本文着重介绍了余额宝的业务及其创新特点,分析余额宝在金融市场的地位,探讨余额宝对商业银行在重视互联网大数据方面的经营战略及未来传统银行的走向影响。 Yu Wanbao is one of the best-selling financial products in recent years. Its successful application indicates the arrival of the Internet finance era and also promotes the reform of the traditional financial industry. Yuen Bao’s Zeng Libao, which docked with Tianhong Fund, was greatly recognized by Alipay customers and raised more than 10 billion yuan in finance within a short period of one month. This has also caused widespread concern and discussion in the financial market. This article focuses on the company’s business and its innovation characteristics, analyzes the position of Yue Bao in the financial market, and discusses the effect of Yue Bao on the business strategy of commercial banks in respect of internet big data and the direction of future traditional banks.