摘要：支付宝作为第三方支付平台和天弘货币基金公司合作开通余额宝功能，直销货币基金——增利宝，获得支付宝客户很大认同。余额宝作为一种全新的互联网金融服务模式在不到一个月的时间募集资金超过百亿元，引发金融市场的高度关注和热烈讨论。余额宝的推出进一步推进了我国金融市场的改革和创新步伐，加快了利率市场化进程，对我国商业银行的发展影响深远，启示重大。本文主要围绕商业银行存在的主要问题，分析余额宝获取成功的几点原因，整合余额宝对商业银行发展的主要影响并最终在客户服务、技术应用和在利率风险管控方面对我国商业银行的发展提出了几点建议。

关键词：余额宝；增利宝；商业银行；互联网金融；利率市场化

Abstract:Third-party payment platform Alipay cooperation with Tianhong Monetary Fund to open Yu'ebao features direct Monetary Fund - Increased Liberty, Paypal customers get great recognition.Yu'ebao as a new model of internet financial services have raised funds over ten billion yuan in the time scale of less than a month ,aroused great interest and discussion of financial markets.Yu'ebao launched to further promote the reform of the financial market in China and the pace of innovation, accelerate the process of marketization of interest rates, the influence on the development of our country commercial bank revelation is significant.Mainly around the main problems of commercial Banks, this paper analysisYu'ebao several reasons to be successful, integration Yu'ebao main influence to the development of commercial Banks and eventually in the customer service, technology application and the interest rate risk control puts forward some Suggestions on the development of China's commercial Banks. 

Key words：Yu'ebao；Increased Liberty；Commercial Banks；The Internet Finance；Marketization of Interest rates