Internet Launched Financial War Suning Change Treasure PK Balance Treasure

< p > Su Ningyun merchants' Yi Bao Bao launched the balance of financial products "zero money treasure" formally launched. As the first Internet financial product to be launched in 2014, the seven day yield of Suning small treasure in January 14th was 6.959%, exceeding the level of the balance treasure and other interbank income. < /p >
< p > June 13, 2013, the balance of the cooperation between Celestica fund and Alipay was formally launched. Since then, Celestica fund's Tianhong Zeng Li Bao product scale has seen explosive growth. < /p >
< p > according to Wind data, by the end of 2013, the size of Tianhong Zeng Li Bao fund was 185 billion 340 million yuan. At the same time, the assets of the Celestica fund totaled 194 billion 370 million yuan, ranking second in all fund companies. That is to say, only one monetary fund product supports the overall size of a fund company. < /p >
< p > besides, WeChat Fu Tong Tong will launch monetary fund products this week. Yi Fubao's user base and Alipay, WeChat and other differences more than ten times, Suning's high-yield money fund products Zero Qian Bao, whether it can challenge the balance of treasure and wealth management? /p
< p > < strong > Su Ning < a href= "//www.sjfzxm.com/news/index_cj.asp" > zero Qian Bao < /a > can PK balance treasure < /strong > /p >
In the first ten days of October last year, Suning Yi Bao Bao received the permission of the SFC to pay for the fund's sale and settlement. Subsequently, it made product development and testing with GF fund and huitianfu fund. In January 14th, it officially launched public money products to the public in January 14th. < /p >
< p > according to Suning's official website, the GF fund and huitianfu fund each have a product linked to Suning pocket money products. In January 14th, the annual yield of Suning pocket money product was 6.959% on the seven day. Compared with the GF fund and huitianfu fund, they found that Suning small money products are in line with gf's real yield. < /p >
< p > GF fund shows that in January 14th, the annual yield of GF red products was 6.959% on the 7 day. According to public information, Guang Fa daily red was founded in October 22, 2013. At the end of 2013, the product continued to gain high profits and ranked the top. < /p >
< p > December 24, 2013 to January 8, 2014, the annual yield of GF 7 was over 7%. From January 8th to January 14th, the annual yield of the product remained above 6.8%. < /p >
< p > at the same time, compared with the balance of treasure, zero money treasure has many similar functions, such as one yuan deposit, zero handling fee, users can directly use the change money to purchase, pay, charge and return credit cards in suning.com. In terms of transfer function, users can save money in small change to achieve "7*24 hours" at any time and anywhere "T+0" to cash card or easy PayPal account, while the balance treasure can be ordinary withdrawals, real-time withdrawals, 2 hours to cash withdrawals, unable to transfer or withdraw at the weekend. < /p >
< p > in addition to zero money for personal finance, Suning will also launch enterprise version fund management products for open platform businesses and suppliers to attract upstream and downstream business customers. Then, can the launch of the money change achieve the same breakthrough as the balance treasure? < /p >
< p > Alipay has more than 800 million registered users, occupying more than 50% of the third party payment, and the data released by Yi Fu Bao in September 2013 is 30 million, and strive to reach 60 million by the end of the year. < /p >
< p > it is reported that Tencent will also launch financial services on Wednesday or Thursday. The name is tentatively designated as "WeChat Fu Tong Tong" or its partner, or the Chinese fund of the fund industry last year. This product is aimed at mobile clients only. The yield is temporarily unknown. WeChat now has 600 million customers, the user scale is large, and the operability is strong. WeChat fortune Tong is regarded as "the only product that can be challenged with the balance treasure" on the scale in the future. < /p >
< p > a mobile payment industry pointed out that the number of users in sunning Yi Bao is still too small compared to the number of users of Alibaba Alipay and Tencent Fu Tong, which is not enough to support a payment platform. < /p >
< p > < < a href= > //www.sjfzxm.com/news/index_cj.asp > > Internet Finance > /a > is at the initial stage. Yi Fu Bao serves Su Ning electric business and has no large-scale access to external users. From the user's point of view, the purchase channel is not as convenient as Alipay, but I think the key index to measure Internet financial products is product yield and product experience. If Suning can maintain high yield for a long time and expand user payment scenario, it will cause certain diversion pressure to products such as balance treasure. Zhang Meng, an analyst at Analysys International, told the network in twenty-first Century. < /p >
< p > she gave the example of Baidu 100 hair. This product is operated by the third party payment platform "BaiduPay", and it does not say whether the product is involved in irregularities. When the publicity annual income reached 8%, it was looted on the market and sold out in 4 hours in 1 billion yuan. < /p >
< p > < strong > < a > href= > //www.sjfzxm.com/news/index_cj.asp > > fund company < /a > rush to Internet Finance < /strong > /p >
< p > from the balance of treasure, the fund companies have repeatedly allied with Internet Co. For example, Baidu launched the "100 Fa" jointly with the Chinese fund, the third square sales organization of the fund, the digital network and the Haitong fund jointly launched the "several meters cash treasure", and Sina also involved in this kind of business. Statistics from the end of the year show that the balance treasure is the most outstanding from the scale expansion, and the scale "counterattack" has become the biggest highlight of the year. < /p >
< p > Tianhong fund expands rapidly with the help of the balance treasure. According to Wind data, as of December 31, 2013, the asset management scale of the Celestica fund raised to 194 billion 362 million yuan, ranking second in 89 fund companies, and the asset size of the first Chinese fund company was 227 billion 940 million yuan. < /p >
< p > because the threshold is low, the income is stable, higher than the current and time deposits, the "T+0" operation period is flexible, and at the same time, the electronic business platform is used to attract scattered customers. < /p >
< p > Zhou Xiaoming, vice president of Celestica fund, has publicly stated that since the end of 2013, the monthly stock has increased by 20%, which means that the scale has exceeded 200 billion. Compared with Celestica fund, Suning's joint venture fund and huitianfu fund also did well last year. According to Wind data, as of December 31, 2013, the GF Fund ranked seventh in assets size of 120 billion 200 million yuan, and Huiyuan's fund assets amounted to 80 billion 288 million yuan in thirteenth place. < /p >
< p > 2014 was called "the first year of Internet finance" by the industry. At the same time, interest rate marketization promoted the development of IMF. The Internet financial war at the fingertips has just begun. < /p >