As a representative of the internet based ifnance, YueBao had broke the traditional ifnancial pattern quickly, and brought the huge challenge for commercial banks. In this paper, based on the characteristics of rapid development of YueBao, analysis the reasons for the rapid development, and the factor of YueBao pattern. YueBao through three kinds of ways affect the capital cost. the deposit disintermediation has led to increased the capital cost. Development of internet based ifnance has brought challenges and opportunities to the ifnancial bank, combination of bank and internet based ifnance is the inevitable trend of future development.%以余额宝为代表的互联网金融迅速打破了传统金融的格局，给商业银行带来了巨大的挑战。本文基于余额宝快速发展的特点，分析了余额宝快速发展的原因和影响余额宝模式发展的因素，余额宝通过三种途径影响商业银行的资金成本，存款脱媒导致了银行资金成本的上升。互联网金融的发展给银行带来挑战的同时也是机遇，银行与互联网金融的融合是未来发展的必然趋势。
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