畢業(yè)論文-論余額寶與中國各大銀行間的博弈-在線瀏覽
2025-08-09 13:23本頁面
【正文】 周期理財產(chǎn)品的收益。 三． 銀行對余額寶的限制措施及所帶來的影響 （一） 措施： （ 1） 面對快速發(fā)展的余額寶，銀行最終采取了封殺手段。建行、工行用戶每日購買余額寶的額度從 5 萬元下降為 5000 元，每月限額均下降至 5 萬元；中行、農(nóng)行用戶每日購買余額寶 的額度從 5 萬元下降為 1 萬元。這實際上代表著，監(jiān)管層認可了此前業(yè)界備受爭議的四大行下調(diào)支付限額的行動。 （ 2）以上措施也會引起到廣大互聯(lián)網(wǎng)金融投資者們的不滿，導(dǎo)致中國金融市場的負面情緒，銀行如果想保證自己的利益，這只是治標不治本。銀行的改革在余額寶的競爭壓力下已經(jīng)勢在必行，傳統(tǒng)的定期儲蓄業(yè)務(wù)與收益十分低的活期存款業(yè)務(wù)已經(jīng)逐漸無法在今天眾多理財產(chǎn)品的壓力下長久的生存下去，余額寶的出現(xiàn)，對傳統(tǒng)商業(yè)銀行造成了極 大的挑戰(zhàn)，盡管在政策的限制下，余額寶已經(jīng)沒有剛上線時的那種高利率，但與傳統(tǒng)銀行業(yè)務(wù)相比還是高出了不止一籌。 參考文獻 [1]謝平 ,鄒傳偉 .互聯(lián)網(wǎng)金融模式研究 [J].金融研究 ,2021,(12):1122. [2]劉鵬 .云計算 [M].北京 :電子工業(yè)出版社 ,2021. [3]曹淑彥 .余額寶規(guī)模突破 200 億元 [N].中國證券報 ,20210815,(4). [4]宮小林 .互聯(lián)網(wǎng)金融模式及對傳統(tǒng)銀行業(yè)的影響 [J] .南方金融 ,2021,(5):8688. Visafree policy brings Chengdu biz, tourism boost. Making national headlines several times, Chengdu39。s level of internationalization. The policy will also bring direct economic revenue, Li said. Chengdu has many cultu ral legacies and is also a paradise for panda lovers with the world39。s ancient indigenous religion, while Du jiang yan is considered to be the oldest functioning watercontrol project in the world. Chengdu ranked third in tourist facilities, management and services among 60 Chinese cities in a customer satisfaction survey released last year. But, Li added that efforts are still needed to develop more tourism products, improve English services and provide accurate translation of traffic signs and scenic billboards. Zhao Yun, chairwoman of British Chamber of Commerce Southwest China, told China Daily that his colleagues found the policy very co nvenient. A British client once flew here and stayed for just one day to check her ordered goods, she said. Zhao was born in Shanxi province, but she has lived in Chengdu for more than 10 years. My life was like a running race moving from place to place. I also lived in Beijing and Shanghai before, she said. But Chengdu is a place that you never want to leave once settling down. It is now my second hometown, she said. If the environment is further improved, the city will attrac
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