Home >

Internet "Treasure" Revenue Fell More Than 20% Bank Financing To Take Advantage Of

2014/5/16 22:17:00 30

??? 日本語 Fran?ais English 中文

the Internet financial product craze is getting cold. 
"P" looks back on Internet financial products. After the balance of "big brother", the Internet financial boom is rapidly rising. As a result, "low threshold and high yield" attracts many people's eyeballs. According to statistics, over 50 Internet financial products represented by balance treasure have basically realized the full coverage of main network platforms. Affected by this, the total scale of the public fund fund of the whole industry has expanded rapidly from 304 billion 250 million yuan in the middle of 2013 to 1 trillion and 443 billion 670 million yuan at the end of the first quarter of 2014, taking the Celestica fund of the balance treasure as an example, and the fund has been raised for over 2 months on the line for more than 25 billion yuan. 
 while China new Internet financial channel statistics, according to the latest seven annual yield rate released by the fund's official website in May 14th, the balance of treasure is 4.902%, WeChat CAITONG is 4.891%, Suning small change treasure is 4.772%, Baidu earn 100% profit margin and Jingdong small Treasuries are all over 5%, 5.491% and 5.156% respectively. The highest yield of the balance treasure was 6.763%, and the yield of other Internet financial products was also declining. WeChat financial communications reached the highest rate of 7.902% when the annual yield reached seven, and Baidu earned 7.447% at the highest time. Compared with the peak income period, the "baby corps" revenue fell more than 20%. 
 according to the JINGWAH times April 28th report, because the bank's "baby" product revenue is not low, and Internet financial products are always hidden in security, many people begin to turn the money of the Internet baby account back to the bank to buy the financial products produced by the bank. 
What is the reason for the p? What is the reason why the rate of return of Internet financial products is booming? Is this diving the general trend? Chen Hong, a professor of finance at Zhongnan University of Economics and Law, analyzes that the essence of the balance is the money fund, so the rate of return is bound to be affected by the performance of the money market. When the money market performance is poor, the IMF income will also decline, and the income of the balance treasure will also be reduced. According to CNPC, Liu Siyu, founder of the angel street public shareholding platform, said that the yield of the balance treasure will remain in the "4 era", even if breaking four is normal. 
 < a > href= > http://www.91se91.com/news/index_cj.asp > Bank > /a > similar products coming from behind /p >
 at the same time, on the 14 day, the treasurer's wallet reached an annual yield of 5.617% on the seven day, 5.255% of the Bank of China and 5.229% of the safe profit. Facing the bank's similar products, the Internet babies who have been known as the "cock silk financial intelligence device" seem to be more and more powerless. 
 balance treasure, WeChat CAITONG, Baidu 100 earn... When the Internet babies were fighting in disorder, the banks were not to be outdone. They launched their own babies crowded into the battlefield. They took a place. The "shopkeeper wallet" of Xingye Bank (601166, stock bar), the "fast overflow" of the Bank of Communications (601328, stock bar), Ping An Bank (000001, stock bar), "Ping Yi Ying", and Minsheng Bank (600016, stock bar), and so on, emerged as the times require. Facts have proved that this kind of scrimmage really gave the excited Internet babies a sedative, and the Internet financial products were facing a fierce offensive and they fell out collectively. 
While P is besieging Internet financial products, the fierce competition between banks is no less. "Guangzhou daily" 14 Daily said that the people's livelihood closed down the industry, money and big treasurer funds into the channel, Internet payment related people pointed out that the current bank competition is heating up, banks must not only face the inflow of funds into the Internet business, but also continue to find ways to keep their funds and customers do not lose to his bank. 
Less than P, under the situation of internal and external attacks, whether it is Internet a href= "http://www.91se91.com/news/index_cj.asp" > financial products /a, or bank financial products, it is a tough battle. Through interviews with reporters, many investors said that this situation is convenient for citizens to choose financial management freely. 
 < a > href= > http://www.91se91.com/news/index_cj.asp > Internet > /a > Where will the baby go? /p >
 the yield of "baby Legion", which once had high hopes, has been declining. Many investors are disappointed in planning new investment strategies. Will "capital moving" become a trend? 
Niu Wenxin, a financial commentator, said in an interview with the financial channel of China new financial network that the balance treasure had hit the financing cost of the whole society in China and distorted the interest rate of the market. Therefore, it should be banned. After balancing the bank's demand deposits, the balance treasure went back to the interbank deposit. The products such as the balance treasure need to be squeezed out by P. Prior to that, Sheng Songcheng, director of the investigation and Statistics Department of the people's Bank of China, pointed out that bank deposits such as balance treasure and other money market funds should be managed by the deposit reserve fund, and the annual yield of the balance treasure will be reduced by about 1 percentage points. 
 Internet financial products, apart from low cost and continuous innovation, also pay attention to user experience. Guo Tianyong, director of the research center of Bank of China (601988, Guba), Central University of Finance and Economics, pointed out that if we want to catch up with the banks, on the one hand we must maintain high returns, and on the other hand, we must improve our service capabilities. We must find a balance between security and convenience. "We should know that investors are not simply looking at earnings, but user experience is also very important," he said.