Internet Banking Quarterly Inventory: Balance Treasure Income Amounted To 17 Times The Deposit

< p > < strong > far exceeding a href= "http://www.91se91.com/news/index_c.asp" > deposit < /a > /strong > /p >

< p > with the investment amount of 10 thousand yuan, the balance treasure created 145.5785 yuan income for investors from 1 to March this year, which is equivalent to 17 times of the current account of the bank; WeChat CAITONG's performance is better, and it can generate 152.665 yuan.

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< p > at the same time period, if the user chooses the time deposit that the bank expires in 3 months, it can only get 71.25 yuan income; if the demand deposit is chosen, the income will be only 8.75 yuan.

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< p > 7 annual yield rate, as of March 31st, the balance of treasure and other major Internet financial products are maintained at more than 5%, equivalent to 14 times the benchmark interest rate of bank demand deposits (0.35%), or even higher than the 5 year time deposit (4.75%).

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< p > compared with bank deposits, "baby corps" not only yields higher returns, but also achieves redemption on the same day or the next day. Liquidity is obviously better than time deposits.

This led to a large number of depositors "voting with their feet" and embracing Internet financing.

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< p > data released by the central bank showed that in January this year, RMB deposits decreased by 940 billion yuan, a record high of nearly six years.

Analysts believe that the Internet < a href= "http://www.91se91.com/news/index_c.asp" > financial products < /a > strong absorption of gold is one of the reasons for the decrease in deposits.

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< p > < strong > more players < /strong > /p >

< p > in the first quarter of this year, many technological and financial giants including Tencent, Jingdong, China Ping An and so on have joined the war situation. The Internet financial field is no longer "a href=" http://www.91se91.com/news/index_c.asp "Alibaba" /a.

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Less than P, Alibaba launched the balance of the Celestica fund in June last year, and is widely regarded as a landmark product of Internet financial management.

In January of this year, Tencent launched a financial fund through WeChat to connect with a monetary fund of China's fund, which could absorb more than ten billion yuan in 11 days.

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< p > on the other hand, Jingdong's Internet financial platform "small coffers" after two times of the bounced tickets, finally appeared at the end of March, the first batch of two monetary funds to connect with cashmere and Penghua.

According to Jingdong, the "small Treasuries" will also cover more financial products in the future, including bond funds, equity funds and mixed funds.

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< p > the traditional financial tycoons are quietly planning the entry.

In the new year's address this year, Ma Mingzhe, chairman of Ping An Group, announced that a mobile phone application called "one wallet" will be launched to integrate payment, consumption, financial management and social services.

One wallet will be under the jurisdiction of Ping An, and the second quarter is expected to be on line.

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< p > Internet financial players are numerous, but the core game is to graft the huge flow of PC and mobile terminals with the IMF, and financial institutions can earn more management fees, while Internet Co pays more attention to increasing the user stickiness of their own payment services.

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< p > except for more participants, another obvious trend of Internet banking in the first quarter is that product category is no longer confined to monetary fund, but extends to universal insurance, investment linked insurance and bond funds.

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< p > February 14th, Alipay launched a product called "Lantern Festival finance", with an expected annual yield of 7%.

This product has been guessed as "balance treasure No. 2", but it is linked to two 1 year universal risk management products, namely Pearl River life's "Zhujiang Hui won No. 1", offering a scale of RMB 380 million yuan, and Tianan Life Insurance's "Tianan Anxin B", offering a model of 500 million yuan.

This is essentially different from the balance treasure of the Tianhong Zeng Li Bao Monetary Fund.

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< p > by the end of March, Alibaba launched the "entertainment treasure" financial and value-added service platform.

Unlike the Yuanxiao financial management, the first batch of entertainment treasure is linked to Guohua's life insurance company, which is more risky than cargo base and universal insurance.

Perhaps it is precisely because of risk considerations, entertainment treasure will limit the maximum investment of 2000 yuan.

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< p > on the other hand, while launching the small Treasuries, Jingdong announced that the official flagship store of 8 large fund companies, such as harvest, Penghua, southern, Yi Fangda, ICBC Credit Suisse, Jianxin, investment and Guotai, was officially settled.

These companies will introduce more financial solutions on the small Treasuries platform, including not only monetary fund but also bond funds, equity funds and mixed funds.

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P > < strong > income decline < /strong > /p >

< p > but at the same time, the profit level of "baby corps" is steadily declining.

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< p > in January 1st this year, the annual yield of the 7 days of the balance treasure was 6.740%, while in March 31st it was only 5.361%.

In the past quarter, the earning capacity of balance treasure has dropped by 20%.

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< p > the performance of similar products is also very similar: the annual yield of WeChat CAITONG has declined from 7 in January 22nd to 5.353% in March 31st, and its decline has reached 29%. Baidu's 100 profit roll off edition has dropped from 7.196% in January 1st to 5.816% in March 31st, a decrease of 19% over that of March 31st.

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< p > at the beginning of March this year, Wang Dengfeng, the fund manager of Zeng Li Bao, who joined the balance of treasure, said that investors in the money market had enjoyed a higher income because of the tight market funds before the end of the year and the Spring Festival.

And after the holiday, the phenomenon of capital shortage has eased, and the income of the balance treasure will return to normal level.

Judging by the current market trend, about 4% is the normal level.

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