2013年6月,正当全国的商业银行出现钱荒之际,“余额宝”横空出世,在不足一个月的时间里圈钱百亿。“余额宝”究竟为何方神圣?为何能如此迅速地募集资金?将会给中国银行业带来哪些影响?面对余额宝,中国的商业银行又将如何应对?本文将逐一解答这几方面问题。 In June 2013, just as the commercial banks in the country were facing cash shortfalls, “Yu Bao Po” was turned out to be worth 10 billion yuan in less than a month. How can we raise funds so rapidly? What impact will this have on China’s banking sector? How will China’s commercial banks respond to this problem? In this article, we will answer these questions one by one Aspects of the problem.