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1、Yu’ebaoVSBankYu’ebao-----amoney-marketfundpromotebyAlipay余额宝——阿里巴巴推出的为个人用户一项余额增值服务Bank------onekindoffinancialinstitution银行——一种金融机构1.thedevelopmentofTheinternetfinancial互联网金融的发展DevelopmentofInternet finance through thebankonthenet, thethirdpartypayment, personalloans an
2、dother stage, andincreasingly inthe financing, thecore matching, thesupplyanddemand of traditional financialbusiness互联网金融的发展经过了网上银行，第三方支付，个人贷款等多阶段，并且越来越在融通资金，资金供需双方的匹配等方面深入传统金融业务的核心WhyYu’ebaoissopopular?2.Peoplecanchecktheirincomefrominvestmentseasilybyalookonphone,Itma
3、kesfinancialmanagementmoresimpleforthemiddleclass.人们可以通过简单的看一眼他们的手机便知道投资收益，对于中产阶级来说，投资变得十分简单便捷。3.“There’sno point in keeping money in the bank any more. This is just as reliable, moreflexibleandyou can earn a lot more from it,”oneinvestorsays.一位投资者表示：“再也没什么理由把钱存银行了。（余额宝
4、）这种方式同样可靠，又更灵活，收益也大多了。”Initiallypitchedby the Chinese ecommerce group as a platform for its users to manage excessfunds in their online payment accounts, Yu’E Bao is becoming something far more powerful:astraight-upsubstitute for traditional bank deposits.起初，阿里巴巴对余额宝的宣传
5、定位是，帮助用户管理在线支付账务里富余资金的平台。如今，余额宝正在变成一款比这一定位强大得多的产品，即传统银行存款的直接替代品。IsitthesametodepositYuebaoisonlyawayforpeopletoinvest,thoughitveryconvenientandhighyield,butit’sdifferentfromdeposit.Depositispeopleputmoneyinbankandgetsomeinterestasremuneration.Highyield高收益Remuneration[rɪ
6、ˌmju:nəˈreɪʃn]酬劳报酬回报WhichoneisbetterThere are a thousand Hamlets in a thousand people's eyes.Therefore,wecanchoosebothofthemtoimproveourfinancingability.theformerishighrisk,highreturn,theletteriscommonandlowrisk.Somecomments2014/2/24,cctvcommentatorNiuwenxin:Where is th
7、ebank balance treasure impact? Its impact is Chinese socialfinancingcosts, theimpact of nationaleconomicsecurity. Balance treasureislyingonthe bank's "vampire", isatypical "financial parasites", it doesnotcreatevalue, butthroughthe economiccostto reapprofitsfrom higher
8、social. Nodoubt,my opinionisthat on balance thetreasure, also China to normalfinancialorder.2014年2月24日，央视评论员钮文
