Chapter 566

Next, the netizens who asked questions invited many professionals in the financial industry to answer. Their answers were more professional and specific.

"Thank you for your invitation. I can't guarantee whether yu'e Bao has a pit. After all, it is an investment in financial products. Investment is risky and investment needs to be cautious. This is the first iron rule of the financial industry.

However, I can analyze the fact that the annualized rate of yu'e Bao is higher than the bank loan interest rate.

First of all, let's compare the seven-day annualized rate of yu'e Bao in the past week since it went online with the deposit interest rate and loan interest rate of ICBC in the last five years. Next, let's list a table and compare the three interest rates in detail.

[table]

We can see from the table that, indeed, as the subject said, the annualized rate of yu'e Bao exceeds most of the term loan interest rates published by ICBC in recent five years, and even exceeds the five-year term loan interest rate since the last two years. It can be seen that the interest rate of yu'e Bao is really very high.

Even if you deposit yu'e Bao from bank loans, you will make money in theory! (the answer Lord won't tell you, I've started doing this! However, investment is risky, investment should be cautious, please continue to look back)

Let's go back to yu'e Bao. The interest rate indicated in yu'e Bao is the seven-day annualized rate of return. Many people may not understand the difference between the seven-day annualized rate of return and the annualized rate. Under this simple explanation, the seven-day annualized rate of return is the average annualized rate of the last seven days. When it comes to this, you may have to ask, why is the average annualized rate of the last seven days? Why Do you want average?

This question is very important because it represents that the seven-day annualized rate of return is not fixed, but is changing all the time!

In other words, the seven-day annualized yield of yu'e Bao today is 8.2%, but it is possible to become 8.1%, 5.1%, 2.1 or even 0%, - 1.1% tomorrow, because yu'e Bao is essentially a financial investment product, and the investment is risky. If yu'e Bao loses the money we have saved, the interest rate may become negative!

Speaking of this, are some friends suddenly too scared to save? Don't worry, keep looking down.

After understanding that the interest rate of yu'e Bao is changing dynamically, we will continue to analyze why the interest rate of yu'e Bao is so high. Answer the main analysis, there are two main reasons.

First, yu'e Bao is a financial product launched by Alipay, another company of Fang's richest man. The technical services behind wechat payment used in China are also provided by Alipay (PS, wechat payment is only a general term of wechat internal payment. It connects Alipay in China and foreign online payment companies such as PayPal and WorldPay in foreign countries.

In addition, Alipay has been independent from Huizhong a few years ago. Alipay and Huizhong are two companies, but they are both founded by Fang's richest man. Here, I have to admire the vision of the richest man. According to the current development rhythm, Alipay is also a top giant no less than Huizhong).

Now yu'e Bao has just been launched. In order to attract users' deposits, it is very normal to set such a high annualized interest rate. You don't know that all kinds of large and small financial companies on the street have an annualized rate of more than 10%.

Even some 30%, 40% and more than 100% are basically no different from usury. Of course, this risk is also super large. Don't be distracted by greed and invest money!

Second, did you notice when you opened yu'e Bao (I guess many small partners didn't notice) that you signed a financial investment agreement with a company called Shengshi fund. The money you invested in yu'e Bao is also equivalent to buying the company's financial products.

From 1 yuan, 1 yuan is a financial fund. In other words, legally speaking, Alipay has no property right relationship with yu'e Bao. You buy the financial products of Shengshi fund. Even if you lose money, you can only find this Shengshi fund and can't find Alipay.

Speaking of this, some people may think Alipay is too treacherous. Although I think Alipay is a little treacherous, I must clarify it.

According to the laws and regulations of our country, Alipay has no right to set up financial products and absorb citizens' deposit funds for investment and business activities. Therefore, the yu'e Bao product you see is essentially the product of Shengshi fund, and Alipay is only sold on a commission basis.

It is equivalent to some financial products you buy in front of the bank counter. It is likely that they are not the bank's own, but those sold by a third-party company in the bank. Losing money can not be counted on the bank, so when you buy financial products in the bank, you must see whether they are the bank's own or other companies!

What's the use of Shengshi fund for absorbing so many funds? Here, it's basically the same as other funds. It invests in treasury bonds, real estate, corporate and personal loans, stock market, etc. it does the business of making money.

Yu'e Bao can have such a high rate of return, which can only show that Shengshi fund has just been established, the current amount of funds is not large, and the return on investment is very high. When the scale of funds is large in the future, it is inevitable that the interest rate will decline, because there are not so many high return projects for you to make money.

Now we have been using flowers. The annualized rate of overdue interest after more than one month is more than 15%, and the annualized rate of interest on installment payment is more than 9%. Therefore, don't think the annualized rate of yu'e Bao is frightening. People can make more money than you think!

As an old saying goes, the most profitable business in the world is money. We will wait and see how many deposits yu'e Bao can absorb and how long yu'e Bao's high interest rate can last.

Now back to the problem of pit or not, I think national software such as Alipay and wechat is related to the interests of hundreds of millions of people. Do you think Fang zhe dares to roll money and run away? (I feel that the deposits absorbed by yu'e Bao are not necessarily good, and the richest man is highly valued ~# ~) "

The respondent, who has been certified as the product manager of a large financial management company, has thousands of words to analyze yu'e Bao. The onlookers are also quite convinced of his answer. In addition to more than 20000 likes, there are thousands of comments below.

"After reading it completely, I probably understand what yu'e Bao is about. I don't say anything. I just took out all the money from the bank and deposited it in yu'e Bao. I'll make a wave before the interest rate drops!"

"Yu'e Bao is a little too cruel. It starts from 1 yuan, which is almost 0 threshold. It feels that all Chinese can participate!"

"With such a high interest rate, I feel that the bank will have to be hollowed out in a few months!"

"It's been almost a week and I haven't seen the government or any bank speak up. It seems that it's tacit approval."

"I feel that the pattern of China's financial industry is about to change!"

One week, just one week online, the number of users who opened yu'e Bao exceeded 3 million, and the total amount of funds absorbed exceeded 20 billion yuan!

When Alipay officially announced the news, the whole Chinese financial industry and even the financial industry set off a big earthquake!