"Baby" Financial Products Reached 79 Scale Over 1 Trillion And 500 Billion

Li Yan, a Sichuan man working in a private enterprise in Beijing, tried to buy some daily necessities on Jingdong mall as usual. Unexpectedly, he found that a new year's public flight was launched by Jingdong, and the destination was Chengdu and Chongqing.

After a comparison, Li Yan chose to support 9 yuan, and she would have the chance to get a first class air ticket from Beijing to Chengdu in February 15th. Even if she could not get it, she could get 20 yuan Jingdong shopping ticket.

"Anyway, I always go shopping on Jingdong, and 9 yuan for 20 yuan is not a disadvantage. If I can get a ticket, it will be better."

Li Yan looked expectantly.

A few days ago, the world's first Internet flight launched by Jingdong and Air China was formally launched. Many Beijing tourists eager to get home tickets at a low price were eager to try.

This is also the first time that Internet public chips have entered the aviation field after the real estate and movies.

Crowd raising is the mode of raising project funds through Internet to netizens.

"In the future, in order to pursue higher returns, Internet financial management has not only been confined to the scope of the monetary fund, but will also be more suitable for the field of public financing, insurance and financial management, and bills management.

The direction of development helps users get higher returns.

Financial online search platform integration 360 co founder and CEO Ye Daqing said.

And tradition

Compared to the Internet, financial and financial products have lower access threshold and higher

And stronger liquidity provides a more diversified choice for the public's financial needs.

With the birth of the balance treasure and the launch of financial management, the pace of expansion of baby financial products has increased greatly, setting off the climax of Internet financial management.

The Internet financial report released in 2014 360 days ago showed that as of December 31, 2014, the number of children's financial products has reached 79, with a scale of over 1 trillion and 500 billion yuan.

The industry mainly divides the Internet baby products into three categories, one is the fund department issued by the fund company, the other is the "third party payment department" issued by the three party payment platform such as Internet Co and e-commerce platform.

In 2014, the number of baby products of "third party payment" and "banking department" suddenly increased, and basically realized the full coverage of main network platforms and banks.

After experiencing the huge threat of Internet finance, traditional banks launched their baby products one by one, and surpassed Internet Finance in quantity and yield in the second half of last year.

For this reason, Ming Qian, a white-collar foreign businessman who often buys Internet financial products, has a deep understanding: "at the beginning, I like to buy financial services and balance treasure, but later I found that the yield of some financial products of China Merchants Bank was higher.

But the financial threshold of China Merchants Bank is relatively high. The products I like are always starting at 50 thousand yuan, so I am diversifying investment now. "

360 data monitoring shows that the 7 day yield of baby financial products has dropped from 6.5% to 7.5% in January 2014 to 4% to 5% in December.

Ye Daqing analysis said, "baby" is actually the money fund, its assets income mainly comes from the bank time deposit, interbank deposit, bond repurchase and so on. With the market liquidity tends to be loose, the yield of these investment varieties has declined.