| Now we all know Yu Ebao, It achieved the global fourth big money market fund and more than one hundred million accounts in just one year, Yu Ebao has made us all sit up and take notice of the Internet Financial, The Internet Financial this word in the China society also officially became a fashionable vocabulary. Therefore, the year2013is also known as the first year of Internet Financial era. The most iconic event is Yu Ebao launched in June13th that year, As a new kind of Internet financial product, Yu Ebao seamless docking TianHong Income Box Money Market Fund, has been great recognized by customers of Alipay, To raise funds scale exceeds570billion yuan in a year short time, cause a high degree of concern and discussion of financial market. Yu Ebao’s appearance further accelerate the pace of the reconstruction of financial markets, especially significant impact on the commercial banks.Just in this background, This paper gives a detailed introduction to Yu Ebao, Analysis of the impact of Yu Ebao in commercial banks in financial market position deposit money> the ultra short term financial products and the fund distribution business etc; Discusses the nature of social financing costs rise drived by Yu Ebao And deep dig the risk and supervision of Yu Ebao, put forward my regulatory opinions, and the future development of Yu Ebao is summarized.Yu Ebao is the inevitable product of our country interest rate control condition; and is the representative of private capital to participate in Chinese financial market development; and It is an important force for the reform of Chinese financial market. At the same time, To promote the innovation and perfection of our administrative supervision mechanism, Rectificate chaos of or no supervision and or improper supervision. Establish and improve the financial supervision mechanism, We need correctly guide the folk finance development, gradually and eventually achieve customer, state-owned banks and private financial win-win situation. |
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