Heavy Siege: Baby Legion Gains Lose.

By the end of 2014, at the end of the central bank's interest rate cuts, the bull market and the squeezing of banks' financial products, the Internet babies who lost their earnings were also unable to afford the "treasure powder". In the four quarter of 2014, the size of the Internet baby began to shrink, which was reduced by 55 billion 760 million yuan compared with the three quarter of 2014.

According to 360 data, by the end of December 31, 2014, the size of 79 children's financial products totaled 1 trillion and 508 billion 147 million yuan, a decrease of 55 billion 746 million yuan compared with the three quarter of 2014. This is also the first time since the birth of the balance treasure in June 2013, the overall growth of baby products has been negative for the first time.

Specifically, in the fund department, banking department, the third party payment system and the fund sales agency launched the Internet baby, bear the brunt of the scale is shrinking is the third party payment and the fund agency agency Internet baby, the scale is rapidly declining. The data show that the third party payment system has experienced negative growth for two consecutive quarters, and the scale in the second half of 2014 has been reduced by about 84 billion yuan, while the decline in the single quarter of the fund sales department has also been as high as 56.62%.

Besides, Fund Department and Bank baby The scale growth rate began to slow down in the fourth quarter of 2014, with a maximum increase of not more than 10%.

Data show that despite the Spring Festival Market funds Generally tight, but the Internet baby's highest income has not yet reached the income level of up to 7% last Spring Festival, nearly 90% of the baby's income is less than 5%. Qian Jing wealth fund researcher Yu Guangru pointed out that "this year's monetary policy as a whole is still a relaxed environment, and the shrinking of the size of baby products will continue. And the industry generally expects that this year will be a win-win year for bonds, and funds will surely flow into the two tier market to gain higher returns, and there will be little investment in Internet babies.

Mutual understanding:

The provisional regulations governing the centralized promotion of network goods and services have been publicly solicited. It is clear that the organizers of the centralized network promotion should not adopt the standard clauses, and set the stipulations of "no refund for the deposit, no commodity for sale for 7 days". Reporters found that the famous Tmall electricity supplier has changed the relevant provisions of the return.

The State Administration for Industry and Commerce began soliciting opinions on the provisional regulations governing the centralized promotion of network goods and services (hereinafter referred to as the Interim Provisions) since January 6th, and explicitly prohibited sales activities such as "deposit not refunded" and "No 7 day no reason to return" during the sales promotion period.

"I bought the pre-sale products of Tmall mall CHEERS flagship store in November 6, 2014, and the deposit was 99 yuan. Because I had something to do on November 11th, I didn't have time to pay, and I closed the deal on second days without knowing what I was going to do."

Reporters search "Tmall pre-sale" found that since 2011, every year consumers have encountered advance deposit and not return. In addition, the store also stated in the pre-sale rules: the pre-sale goods do not support 7 days without reason to return goods.

For the above circumstances, the interim provisions provide legal basis for consumer rights protection. Ninth of them expressly stipulate: "the organizers of centralized network promotion shall not adopt the standard terms, setting up the deposit not to refund or selling the goods in advance, not applying 7 days for no reason to return the goods, explaining the goods intact, increasing the conditions for limiting the refund, etc., excluding or restricting the consumers' rights, reducing or excluding the responsibilities of the operators, increasing the responsibilities of consumers, and other unfair and unreasonable provisions." For those businesses who violate this regulation, they are investigated and dealt with in accordance with the law of the protection of consumers' rights and interests.

Where the transaction is not reached due to the reasons for the centralized sales promotion, the civil liability shall be borne in accordance with the provisions of the contract law. This means that after the start of the sale, once the consumers pay, the operators of the online shopping platform will not have the right to cancel the order unilaterally. This is also a reminder to many operators of the e-commerce platform: under the guise of promotion promotion, the cancellation of paid orders is not only a business behavior, but also a violation of the law.