余额宝本质是一款货币基金。高收益伴随着高风险,笔者认为其在宣传方面有误导客户之嫌疑。在利率市场化尚未彻底的情况下,余额宝这条鲶鱼从一定程度上撼动了银行的基础——储蓄存款,倒逼银行业作出应对。同时作为互联网金融的中国首创,其对银行业的借鉴具有非常重要的意义。 Balance treasure is essentially a monetary fund. With high-yield high-risk, I believe that its misleading customers in the publicity suspects. In the case of interest rate liberalization has not yet been completed, this treasure catfish Yu Bao to some extent, shaking the basis of the bank - savings deposits, forcing the banking industry to deal with. At the same time as the first Chinese Internet finance, its reference to the banking industry is of great significance.