换句话说,余额宝在以一种宏观方式走利率去监管化的道路。上周中国银行间利率的急剧攀升部分反映出银行间日益激烈的揽储竞争。监管机构一直在放松对利率的管制,不过他们打算以一种渐进方式推进利率市场化进程。有鉴于此,余额宝及其他基于互联网的货币市场基金的成功对这一渐进式策略构成了巨大挑战,并仍有可能招致严格审查。
“The banking network will always have its place in the financial architecture, and the government will keep its hands on it, so I don’t think it will let Alibaba become a huge threat. It will be more of an addition,” says Billy Leung, an analyst with the RHB Research Institute.
RHB研究所分析师Billy Leung表示:“银行网络始终会在金融体系中占有自己的位置,政府也会继续插手。因此,我认为政府不会容许阿里巴巴发展为一个巨大威胁,阿里巴巴更有可能成为银行的一种补充。”
Alibaba downplays the challenge Yu’E Bao poses to banks. “The users that our platforms are serving may not necessarily overlap with those that are being served by the traditional banking and financial services industry,” says Alipay, Alibaba’s online payment system.
阿里巴巴也在淡化余额宝对银行业构成的挑战。该集团在线支付系统支付宝(Alipay)表示:“我们的平台所服务的客户,与传统银行和金融服务业服务的客户不一定重合。”
【阿里巴巴旗下余额宝不断吸引传统银行储户】相关文章:
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