Guaranteed Capital Guaranteed Payment Of New Products

< p > yesterday, the expected revenue of 7% a href= "http://www.91se91.com" > balance treasure < /a > exclusive financial products launched the industry attention, especially the "expected annualized yield of 7%, in addition to be able to lock out a year long earnings period, but also guaranteed the guarantee" is even more profitable. < /p >
< p > however, the slogan "guaranteed cost guarantee" has been questioned, and Alipay has modified several times within two days. In the afternoon of the day before yesterday, Alipay changed the statement of "guaranteed capital protection" to "principal guarantee". Yesterday, it changed back to the "guaranteed capital guarantee" on the reservation page yesterday, and stated in the activity rules that "guaranteed capital protection means the protection of investment principal security and the minimum 2.5% year yield". < /p >
< p > in the face of the strong attack of the "baby" corps such as the treasure of the Internet, there is news that the loss of demand deposits in traditional banks is serious. Under pressure, banks are also pushing deposits like "baby" products. < /p >
< p > < strong > new product is universal insurance > /strong > /p >
< p > < strong > only 2.5% years yield is less than /strong > /p >
< p > many readers have doubts. What is this product exactly? In yesterday's report, we also explained that this financial product is indeed a universal insurance product co operated by Alipay and Guangdong Pearl River Life Insurance Company. < /p >
What is the universal risk? The explanation of professionals is that universal insurance refers to the personal insurance products that contain insurance protection function and have certain asset value in at least one investment account. P Universal insurance, in addition to protecting life support with traditional life insurance, allows customers to directly participate in the investment activities of investment accounts established by insurance companies for policyholders, linking the value of insurance policies to the performance of investment accounts of insurers operating independently. Universal insurance has a lower guaranteed interest rate. "Universal insurance generally has a predetermined interest rate to protect 2.5% of the proceeds." An insurance company official told reporters. < /p >
< p > in fact, < a href= "http://www.91se91.com/news/index_cj.asp" > universal insurance > /a > the expected rate of return is not equal to the real income that customers can get. Is it illegal to publicize the "guaranteed cost protection" of this product? < /p >
< p > industry insiders say that if the "guaranteed capital" is not deducted from the principal, the "guarantee bottom" is to maintain the 2.5% interest rate. In the strict sense, it is not illegal. The supervision level is mainly not allowed to exaggerate the expected rate of return. Therefore, Alipay propaganda page also quickly changed the "guaranteed cost protection" to "principal guarantee". Yesterday afternoon, the activity rules on the reservation page clearly stated that "guaranteed capital guarantee means the protection of investment principal and the minimum 2.5% year yield". < /p >
< p > according to the insurance industry related personage, the data shows that the investment yield of venture capital in 2013 is only 5.04%. The average annual settlement interest rate of the current universal insurance product is only 4%, and the rate of return to 7% is actually quite difficult. At present, there are two feasible ways to achieve 7% yield of insurance and financial products. One is to restrict product size, to invest a small amount of high yield assets; two, to invest in the capital of venture enterprises, and to subsidize customers with this part of the investment income, such as subsidizing by 1:1, as long as the realization of 3.5% of the proceeds can be achieved. < /p >
< p > in the face of external doubts, Alipay related people said yesterday that according to the regulation, all financial institutions can not promise revenue to users when conducting financial products publicity. The expected rate of return is that it expects to achieve 7%. There are more than 20 insurance companies stationed in Taobao financial channel. "After two years of operation, the expected rate of return of their financial products and the products they have completed are all achieved. There has not been any product that fails to achieve their expected yield at present." < /p >
< p > "whether it is bank or Internet, investment products are always risky. Before buying, there must be numbers." Hangzhou a bank financial planner reminded. < /p >
< p > reporter consulted the Hangzhou branch of the people's Bank of China. < /p >
< p > < strong > to deal with this treasure and treasure money, < /strong > /p >
< p > < strong > the balance of the products of the bank's balance is less than /strong > /p >
< p > 2013, the balance of treasure and other financial products broke out of the cocoon, carrying the banner of Internet financial management, threatening to bring pressure on banks. At the beginning of 2014, the Internet financial products "shouted" deposits of the tune of the higher the shouting. < /p >
< p > there is no doubt about the diversion of deposits and financial products. Dong Ximiao, a visiting researcher at Chongyang Financial Research Institute, Renmin University of China, said. Now that banks are in a dilemma, the deposits of similar products will not be diverted. Once pushed, banks will raise their operating costs. < /p >
< p > relevant data show that in the first 20 days of January this year, four of China's agricultural and industrial construction enterprises lost 700 billion of their deposits. Internet financial products have a huge impact on traditional bank deposits, especially demand deposits. These cheap products originally deposited in banks are now being sucked away by the "babies" to chase high yield products. < /p >
< p > a large bank related person admitted that the product such as balance treasure is not an innovative product, nor is it technically difficult. It is nothing more than the proceeds of the monetary fund plus the function of T+0 redemption. Banks are not unwilling to do it, but unwilling to do so. Once the bank vigorously promotes such products, which means the diversion of savings, deposits become a fund product and "make their own lives". It is learnt that at present, many banks are starting to join hands with fund companies, and actively launch monetary funds that can be redeemed at any time and ready to cash in order to cope with the impact. < /p >
< p > Industrial and Commercial Bank of China launched the product of "balance every day" at the end of last year. The purchase price is 1 yuan, which can be purchased and redeemed at any time. The redemption fund will arrive immediately. The expected annual yield is no less than the balance treasure. The Shanghai Pudong Development Bank has launched the WeChat bank's lightning management function. Through the PUFA micro credit bank, the customer can complete the mutual rotation between the current account and the open financial product "Tian Tian Ying" in just 1 seconds. "Tian Tian Ying" bought the same day interest rate, redemption can be real-time arrival. CCB will also launch similar products. Bank of communications, Ping An Bank and Minsheng Bank have launched similar products. < /p >
< p > "the intervention of Internet Finance may release a signal that the marketization of deposit interest rate has come quietly." A senior bank official said that nothing could be more convincing than the product itself, so that customers could get higher returns than ordinary deposits. < a href= "http://www.91se91.com/news/index_c.asp" > Bank < /a > can retain customers' funds. < /p >