Balance Treasure Breakthrough 180 Billion Yuan Bank Staff Also Use Balance Treasure

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< p > < strong > 185 billion 300 million yuan Chinese 43 million 30 thousand pin silk pocket money < /strong > /p >

< p > yesterday, the data released by a href= "http://sjfzxm.com/news/index_cj.as" > Alipay < /a > and Celestica fund show that as of December 31, 2013, the number of customers of balance treasure has reached 43 million 30 thousand, the deposit scale has reached 185 billion 300 million yuan, and the household holding amount is 4307 yuan.

Since its establishment for half a year, it has brought 1 billion 790 million yuan of revenue to users.

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< p > "bring the 85 and post-90s grassroots users into the gate of fund management, so that they can experience the pleasure of making money with pocket money."

This is last June, Alibaba group chairman of the board of directors Ma Yun set the market position for the balance of treasure.

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< p > > a href= "http://sjfzxm.com/news/index_cj.as" > balance treasure < /a > as the first net sales fund in China, its innovation is not only changing the sales channel, but also completing the pformation from the product attributes: one yuan start, real-time account arrival, and income knot.

On the day of the balance treasure, it was called the "cock wire" financial artifact by the domestic economic circles.

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< p > < strong > What does the balance treasure mean in the half yearly cycle of 185 billion 300 million yuan? < /strong > < /p >

Cai Jun, a senior executive of the Zhengzhou branch of a state-owned bank, has calculated an account. In 2013, the bank added 25 billion yuan to its personal deposits in Henan Province, accounting for 1/3 of all the new deposits in the year.

According to this rough calculation, the amount of money absorbed by the balance treasure in the year is equivalent to 15 times that of a large state-owned bank in Henan.

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< p > this shows that Ma Yun has proved by facts that the "pocket money of China's cock silk group" is strong.

As early as last November 14th, the Celestica fund has released the news that "the balance of the treasure scale is broken 100 billion". It has become the first fund in the history of China's fund to break 100 billion yuan.

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< p > < strong > banks raise interest rates and their employees save their money in the balance Po < /strong > /p >

< p > "we are meeting to convey the decision of the provincial bank. The main content is to raise the deposit interest rate by 10% within the central bank's request."

Yesterday, a Zhoukou branch of a state-owned bank teller told reporters, this is the bank to deal with this year's grim situation, make urgent adjustment.

It is surprising that "balance money" has been repeatedly emphasized in this meeting.

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< p > balance treasure has urged people to move and move.

According to the October 2013 financial statistics report released by the central bank, China's household deposits decreased by 896 billion 700 million yuan in October last year.

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< p > the above people admitted that the task of sending the unit to the employees is huge and the pressure is huge.

But she is also very contradictory. On the one hand, she pfers her personal savings to the Internet financial products. On the other hand, she wants to persuade relatives and friends to deposit money in the bank to do regular tasks to reach her task volume.

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< p > "our insiders keep the money on the balance treasure, which is an open secret."

These people said that the fixed interest rate was only 3% in one year, and the annual yield of many net sales funds is over 5%.

"No one is a fool."

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< p > Cai Jun is also deeply worried about the bank's "suck up" task this year.

He said that at the beginning of the establishment of the balance treasure, the banking industry did not care about it.

However, the balance of treasure has caused a surge of Internet financial products, which poses a great challenge to the banking industry's "security deposit".

Even more frightening is that the balance of treasure now not only can invest in financial management, but also through the third party payment platform to complete online payment, interbank pfer and water electric heating payment, the banking industry is helpless on this situation.

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< p > < strong > Tianhong style counterattack causes China's fund industry to reshuffle < /strong > < /p >.

< p > with the balance of treasure, the Celestica fund has created a pcript for the domestic counterparts "can not bear to look directly at".

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< p > according to the data of Galaxy Securities Fund Research Center, as of December 31, 2013, the assets management scale of the Celestica fund raised in 77 fund companies was 194 billion 362 million yuan, ranking second.

Data show that the asset management scale of the Huaxia Fund is 230 billion 847 million yuan.

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< p > it is not hard to see that the weight of products sold in the Celestica fund is as high as 95%.

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< p > but if it is not Ma Yun, Tianhong counterattack can only be a myth in the domestic fund industry.

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< p > because of the same industry in China, the qualifications and performance of Celestica fund are not satisfactory.

At the end of 2012, the assets management scale of the Celestica fund was only 9 billion 950 million yuan, ranking only fiftieth among the 70 fund companies.

In the fourth quarter of the year, the stock market continued to rebound, and the domestic fund companies showed overall profitability. The Celestica fund became the only fund company that suffered losses during the same period.

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< p > October last year, < a href= "http://sjfzxm.com/news/index_cj.as" > Alibaba < /a > after 1 billion 180 million successfully holding the Celestica fund, let the fund industry see clearly Ma Yun's "join in" attitude.

Since then, the balance treasure effect has appeared immediately, and the major fund companies have chosen to cooperate with all kinds of Internet Co.

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< p > "Tianhong's" riches "effect has caused the industry to follow suit, but at present, the pace of big companies is much faster than that of small companies.

A fund company Henan vice president Liao said that the successful mode of Tianhong can not be duplicated, many small and medium-sized fund companies stationed in Taobao are not ideal.

What form of Internet finance will be developed in 2014?

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