A Research On The Effect About Internet Wealth Investment Products Such As Yu’ebao To The Personal Business Of F Rural Commercial Bank

The year2013is regarded by some people as the first year of the era of Online Financing marked by the creation of internet wealth investment products. Internet wealth investment products,represented by Yu’ebao, which offers consumers a way to invest their idle money in money market funds with higher returns than bank deposits, has great impact on domestic financial market and draws dramatic attention.Since2013, Miscellaneous Internet Wealth Investment Products are encroaching on bank deposits with its good liquidity and high returns, especially when personal clients is involved. Online financing has become increasingly popular.This thesis takes Yu’ebao as a typical example of online financing products, scrutinizes its business process and characteristics to analyzes its reason for success and the potential problems that follow.Because of the appearance of Yu’ebao, competition in financial market become more intense. Rural commercial banks are facing even greater challenges due to their smaller size and weaker overall strength.This thesis also takes F Rural Commercial Bank (F RCB) as an example to analyze both long term and short term impacts of internet wealth investment products on rural commercial banks. The researching methods taken include survey and theoretical analysis. The information gathered is F RCB’s business data for personal deposits. In terms of short term impacts, the emphasis is on clients of both F RCB and online financing products. By comparing their clients, internet wealth investment products’ impact on F RCB is revealed.In terms of long term impacts, the emphasis is on the fact that online financing products actually facilitate the marketization of interest rates. F RCB’s weakness is also analyzed under new competition environment. Finally, base on previous analysis, suggestions are made about the development of F RCB.