Balance Treasure: How Much Do You Know About Financial Knowledge?

< p > the emergence of the balance treasure has become the veritable "tyrant" incident in the Internet and financial circles this year.

In a short period of time, the balance treasure absorbed tens of millions of investment accounts and poured more than 100 billion yuan of investment funds.

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< p > this becomes the "tipping point" of the concept of "a href=" http://www.91se91.com/news/index_c.asp "Internet Finance < /a".

Subsequently, the class balance treasure are competing to appear, the major Internet players have "occupy".

Xiaobian bluntly, after the launch of all kinds of "Internet financial products" tags, whether it is influence, or in product design innovation breakthrough with the balance of treasure there is a gap.

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< p > Xiaobian does not want to make the brain powder of balance treasure.

As one of the earliest users and fans of the balance treasure, Xiaobian has experienced the convenience brought by the balance treasure, but has cooled down. Xiaobian has discovered that the Internet can bring the brisk and flexible genes to the financial industry. At the same time, can it retain the traditional prudent and rigorous style in the financial industry? After all, these styles are the legacy of the financial industry after several hundred years of economic cycles.

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Next, Xiaobian listed some concerns of users as a balance treasure, hoping to share with you, on the one hand, to remind investors to pay attention to the risks they should have. On the other hand, let the relevant developers of balance treasure know that many users like me have realized the potential risk of the balance treasure. The balance treasure should not be expanded again. Now there is more to do than expanding the scale and radical marketing. The more important thing to do is to prepare your product safety cushion thicker and thicker... P

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< p > < strong > there are three risks behind the balance treasure.

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< p > < strong > one, market risk.

< /strong > as a financial product, < a href= "http://www.91se91.com/news/index_f.asp > > balance treasure < /a > should be extremely afraid of the great sadness and great joy of market sentiment, and make adequate preparations for this.

Because extreme emotions are often accompanied by extreme behavior, the huge redemption of Zembo's money fund may emerge.

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< p > first, let's talk about great sadness. Alipay's teacher Paypal is a warning.

Paypal launched a similar treasure product in the us very early, and its monetary fund linked to its products in 2000 has created more than 5% of the "a" href= "http://fz.sjfzxm.com/" annual yield less than /a (which is similar to the current balance treasure). However, with the American Union's interest rate reduction in stimulating the economy, especially after the financial crisis in 2008, the yield of Paypal monetary fund products plummeted with the zero interest rate policy, and Paypal, in order to retain customers, voluntarily gave up most of the management fees to maintain the yield.

However, it didn't seem to have much effect. Paypal, who was so miserable, finally liquidated and shut down the product in 2011.

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< p > Yes, China has not yet experienced the financial crisis that led to the closure of large financial institutions in 2008.

However, small market default risks have emerged, although money market funds seem to be second only to bank deposits.

But the market panic and the consequences of default in the currency market may be unthinkable for many investors.

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< p > on the launch of the balance treasure in June, the interest rate of money market has soared. The balance treasure felt that they had found a good time to launch the product, but few people knew that there was a serious breach in the money market in that month.

The breach has just been disclosed in the prospectus issued by China Everbright Bank's H-share listing. On the day when the capital interest rate was the highest on that day, a loan of billions of dollars between the bank and its rival bank was due to be paid off (although the second day was due, but the market panic on that day caused the interest rate to surge sharply).

Although the central bank will not sit idly by, and when necessary, it will make a move. But if we recall the temptation of high yield when the balance Po is born, is there any smell of licking on the edge of the knife? At least, this high yield can not be expected to be normal.

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< p > repeat the exultation.

How many people are willing to keep their money in the < a href= http://www.91se91.com/news/index_x.asp > > the money fund < /a >? Think again about the past double eleven shopping spree, the balance treasure redemption 6 billion 100 million yuan per day, is this figure not large? At that time, the size of the Zembo Monetary Fund was one thousand billion yuan. According to the redemption of 10% of the fund's net value, it was calculated as a huge redemption. If the redemption of the balance treasure was over 10 billion yuan per day, it would trigger a huge redemption clause. That is to say, at this time, the Zeng Li Bao fund may announce the delay or suspend the fund redemption, and the scene mentioned at the beginning of the article will appear. If the stock market reappears < a href= "http://pop.sjfzxm.com/popimg/fz/index.aspx" "

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< p > < strong > 2, internal risk.

< /strong > balance treasure involves more product links and technical problems than the general monetary fund, and any credit problems related to any other side of the balance treasure may involve the balance of treasure and cause huge redemption.

These related parties include Celestica Fund (for example, a fund has a rat farm...

), Alipay (for example, technical problems), Taobao (for example, information leakage problems).

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< p > < strong > Third, industry risk.

< /strong > with the introduction of the class balance treasure products, the good and bad are mixed.

If there are some problems, it may have a major impact on the optimism and confidence of investors.

Think about it. Now it seems that investors seem to trust the Internet companies. This trust is actually built on the honeymoon period of new friends. How many of them are halo effect? < /p >

< p > in sum, the balance treasure may have more serious tidal phenomena than demand deposits. The moving speed of traditional commercial bank deposits is far less than that of the balance treasure 24 hours at any time and anywhere.

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