High Income Aura Balance Treasure Can Not Avoid Several Major Problems.

< p > < strong > question 1: how to ensure a stable yield? < /strong > /p >

< p > "half a year, the total yield is 248.5 yuan, and the mosquito leg is also meat."

Ms. Chen, who lives in Fengtai District, Beijing, told reporters that her a href= "http://www.91se91.com/" > balance treasure < /a > account value increased from 3000 yuan to 50 thousand yuan, and the rate of return was the driving force of her "bank moving".

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< p >, therefore, Internet financial products are also eyeing the yield "PK". On the day of WeChat's financial management online, it is known that the annual yield of 7 days is 7.529%, and the "win" balance is 6.46%.

Prior to that, Baidu launched 100 percent of its NetEase, and the NetEase added more subsidies to 10%.

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< p > "in fact, the seven day annualized yield does not reflect the actual return of investment."

A silver rate network analyst said that in the second half of 2013, the tension of funds increased and the interbank offered rate increased. Therefore, it was very easy to raise the yield of Monetary Fund Based on short investment.

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Zhao Qingming, an expert on "P > a href=" http://www.91se91.com/ "> Finance < /a >, said:" at present, the price of money is high, and money based financial products can maintain a yield of 4% to 6% over a period of time, but high returns are unsustainable. "

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< p > Zhao Qingming believes that the continued high interest rate will eventually affect the growth of the macro-economy and the decline in corporate profits. It is difficult to maintain high financing costs and high interest rates will not be there.

"In addition, behind the agreement deposit may be that banks will invest a large amount of funds in the high risk areas such as trust and real estate. Once the trust industry appears to be paying risks, the real estate industry bubble burst and risk conduction, the high interest rate of the agreement deposit will be difficult to guarantee."

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< p > < strong > question two: how big is the space of "Bao"? < /strong > /p >

< p > recently, the data released by < a href= "http://www.91se91.com/" > "central bank < /a > show that as of the end of 2013, the deposits of foreign and domestic households in financial institutions amounted to 46 trillion and 542 billion 151 million yuan, including 18 trillion and 7 billion 753 million yuan for current and temporary deposits.

This means that, at present, if the Internet balances treasure if they are watching the demand deposits of the residents, then the largest space for absorbing the fragmented funds is about 18 trillion yuan.

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< p > on the one hand is the idle funds with great potential of increasing value in the hands of the public, while the other side is a growing network financial product.

Chen Weida, President of Alibaba small and Micro Finance Research Institute, said that as of January 20th, the scale of the balance treasure has exceeded 260 billion yuan, and it is still growing at a scale of about 10 billion yuan per day.

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< p > Internet Financial observer Chen Kai believes that although the main force of current and temporary deposits is the middle aged and the elderly, it is difficult to fully enter the Internet financial products by 18 trillion yuan, but the growth rate of the Internet financial market is still shocking.

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< p > "at present, the balance of treasure is unique. This is based on its relatively comprehensive payment system and stable capital flow, attracting customers in large quantities by online shopping, bank pfer, credit card repayment and so on."

Zhao Qingming believes that the balance of the advantages of treasure obviously, growth space is also difficult to match.

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< p > with the trend of "homogenization" of Internet financial products, the rate of yield is hard to continue, and it depends on customer stickiness.

Chen Kai said, "Internet banking should be based on services, develop more functions, and do differentiated services so as to have broader growth space."

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< p > < strong > question three: how to enjoy ease and comfort? < /strong > < /p >

< p > a few days ago, a mobile phone was lost. Your Alipay was finished! The post was so busy that Alipay was burning eyebrows and rumours everywhere. It also reflected people's doubts about the security of mobile payment and Internet finance.

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< p > industry pointed out that although Alipay said its security is based on a whole set of risk prevention and control system, there are always loopholes in the technology which is stronger, especially when the mobile phone meets the virus and phishing website.

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P is not only a technical aspect, but also a distrust of Internet finance.

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< p > the Celestica fund has become famous by the balance of treasure war, and will take the 7 year long Huaxia Fund to pull down the throne.

But as the scale expands, people begin to worry about the 50 top fund companies.

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< p > Zhao Qingming thinks that although the growth of the Celestica fund is very fast, its investment is mostly agreement deposits, and its investment behavior is relatively simple. The overall investment operation ability and management scale capability can not be equated with the Huaxia Fund, there are qualitative differences.

"Once we encounter liquidity risk and cash risk, the overall strength will be severely tested."

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< p > "online money management is more convenient, but it often ignores risk hints and cannot be cautious when online."

Chen Kai said that commercial banks need to assess risk tolerance for customers who purchase financial products for the first time, but Internet companies do not need to sell financial products.

Is there really enough risk tolerance to rush into the crowd of "balance treasure"? < /p >

< p > experts say that in the tide of Internet finance without specific provisions, some products have problems such as lack of capital investment instructions, unclear responsibility for network platform risk and insufficient disclosure of risks. This makes the "balance Bao" capital risk "surging in the dark" and urgently needs to be regulated by the regulatory authorities.

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< p > < strong > question four: how to serve the real economy effectively? < /strong > < /p >

< p > it is undeniable that Internet financial integration of fragmented funds has revitalize certain stocks, forcing banks to give profits to some ordinary people.

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< p > "but what we have to see is that the emergence of Internet finance has extended the financing chain and raised the cost of financing. In fact, it has a great impact on the real economy."

Zhao Qingming said, on the one hand, the balance of treasure makes the bank low cost deposit escape in large numbers, on the other hand, the bank liquidity is two-way extrusion by the central bank and the balance treasure, thus pushing up the money market interest rate.

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< p > there are people in the industry who believe that the balance of blood in banks has raised the financing cost of the real economy and threatened the operational safety of commercial banks.

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< p > "actually, the balance treasure brings more positive incentives."

Zhao Qingming believes that for enterprises, high capital costs stimulate enterprises to save costs and adjust their business structure; for banks, Internet banking also forced banks to pform their business practices and promote product diversification.

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