余额宝和城市商业银行的转型研究

随着信息技术的飞速发展和电子商务的不断创新,以余额宝为代表的互联网基金产品,利用云计算、大数据和搜索引擎等先进的信息技术,以创新的服务理念和销售模式极大提升了客户体验,推进了互联网金融的迅速发展,同时给商业银行的传统业务带来了冲击。城市商业银行是商业银行体系中的重要组成部分,应积极转型以应对互联网金融带来的挑战。

Study on the Transformation of Balance Treasure and City Commercial Bank

With the constant innovation of information technology and the rapid development of electronic commerce, internet fund products such as balance treasure use cloud computing, data and search engines,advanced information technology, the service ideas and innovative sales model enhance the customer experience, and promote the rapid development of internet finance and bring impact to the business of bank＇s traditional business. City commercial bank is an important part of commercial bank system, it should actively transit in response to the challenges of the internet finance.