英语翻译是论文的摘要,请帮我翻译成英语.不一定100%符合原话,能达到大意,语法没什么错误就行.其中余额宝的英语是Yu'

英语翻译
是论文的摘要,请帮我翻译成英语.不一定100%符合原话,能达到大意,语法没什么错误就行.其中余额宝的英语是Yu'ebao,兴城是地名,Eviews就是软件名称.
本文以兴城的银行为例,研究银行在面对余额宝这种新兴互联网金融理财产品时所受的影响.并且通过将兴城市地区银行与整个银行业进行对比,总结兴城市地区银行拥有的优势以及劣势,并且提出如何扬长避短,争取利益最大化的建议.
研究调查分为宏观和微观两个范围,2013年9月及2014年4月两个时间段,共计四个分块.
其中宏观层面通过Eviews软件进行,微观层面通过问卷调查进行.最后通过汇总分析的出结论.
调查结果说明兴城市地区银行在面对余额宝时所受冲击较小,但是其反击手段的有效性也较小.这与兴城市地区经济不发达,居民理财观念低下和该地区银行各项资源水平较低有关.
对此本文提出兴城地区应该主动提高当地居民理财意识,树立先入为主的观念,并且提高自身资源水平,争取推出更加有竞争力的理财产品.

Yu'ebao is a burgeoning online financial product, which can exert impact on banks. The paper thus aims at analysing the impact of Yu'ebao on banks in Xingcheng. By comparing the regional banks in Xingcheng and the overall banking industry, the paper attempts to explore the advantage as well as disadvantage of banks in Xingcheng, whilst suggesting strategies to avoid competition and maximise profit.
The study is conducted from either micro or macro dimension. The time scale of the study is consisted of two periods, i.e. September, 2013 and April, 2014, with four individual sections in total. In particular, the software Eviews is utilised for the macro dimension, while quesionnaire is used in the micro dimension. Finally, a natural conclusion is drawn upon on the basis of the analysis findings.
The study discovers that the impact from Yu'ebao on banks in Xingcheng is insignificant, but their response to the impact is ineffective accordingly. This is because of the underdevelopment of the local economy in Xingcheng, the weak consciousness among residents of managing money, and a low level of resources available to regional banks.
Against such backdrop, the paper argues that the consciousness among residents of managing money in Xingcheng should be improved by highlighting its importance. At the meantime, the level of resources should be elevated in order to develop more competitive financial products.