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余额宝在全面深化改革开放和利率市场化的背景下,拉开了银行业改革转型的大幕。有人把余额宝比作鲶鱼,搅活了金融业的死水,对银行提出了诸多挑战,倒逼银行开展创新转型。从现象上看,余额宝挤压了银行的利润空间,拓宽了理财产品的销售渠道,加快了银行利率市场化的进程。从深层次看,余额宝凸显了中国银行业的转型之艰,折射出中国金融业的一些问题,对金融监管部门也提出了挑战。
In the context of comprehensively deepening reform and opening up and marketization of interest rates, Yu Binbao opened the curtain for the transformation of banking reform. Some people like to compare the balance of treasure as catfish, stirring the stagnant financial industry, the bank posed many challenges, forcing banks to carry out innovation and transformation. From the point of view of the phenomenon, Yu Balanced squeeze the bank’s profit margins, broaden the sales channels for wealth management products, and speed up the process of marketization of bank interest rates. At a deeper level, Yu Po highlighted the difficulties in the transformation of China’s banking sector and reflected some problems in the financial industry in China. It also posed challenges to the financial regulatory authorities.