High Income Internet Finance Myth Or Difficult To Sustain

< p > last June, the launching of the a href= "//www.sjfzxm.com/news/index_s.asp" > balance treasure < /a > opened the wave of China's Internet finance. Then its huge ability to attract gold attracted many Internet companies to join the war.

After entering 2014, all kinds of Internet financial products are "flourishing". Just past the Lantern Festival financial market is smoky, and a good product is hard to find.

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< p > expert analysis shows that in the second half of last year, especially during the period before the new year, influenced by multiple factors such as tight financial position, the yield of Internet financial products collectively increased, showing a good performance.

But after the Spring Festival, the yield of major Internet financial products began to decline.

Investors should make a long-term investment plan while enjoying the feast, and avoid blindly following suit.

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< p > the year of the horse Internet financial products will not be reduced.

Ma Mingzhe, Ma Yun and Ma Huateng, who are in charge of China Ping An, Alibaba and Tencent, have recently joined hands in the Internet financial management after the joint efforts of "zhong an online" at the end of last year.

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Since P entered into 2014, Internet financial products have been innovating constantly.

In February 14th, China's two Internet giants Alibaba and Tencent jointly launched the Internet financial products on Lantern Festival and Valentine's day. One is insurance a href= "//www.sjfzxm.com" > financial /a > products, one is the first investment in the A share market, the Internet equity class gold products "fixed investment treasure".

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< p > after the big heat of the balance treasure, the trend of the two generation products of the balance treasure has been very much concerned by the market.

Not long ago, Ali launched a universal insurance product entitled "the exclusive rights and interests of the balance treasure". It is known as the "guaranteed capital guarantee and the expected 7% revenue". It is also considered by the market to be a "regular treasure" of the two generation of the balance treasure.

According to the official information released by Alipay, "the Lantern Festival insurance and financial products" sold at 10 o'clock a.m. in total at 10 o'clock AM was sold out in 3 minutes.

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< p > on the same day, the first Internet Fund co operated by Tencent and Galaxy fund, the Yinzhong security investment index 100 Index Fund (the "fixed investment treasure") was also snapped up.

Unlike the "treasure" of the IMF, CTF is a fund product that tracks the value of the 100 index of Zhong Zheng tengan, which will invest in the A share market and there is a certain investment risk.

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< p > competition for Internet financial "cake" is not just from the fight of Internet companies.

In WeChat, "financial communication" has been formally launched, Alipay announced that "balance treasure" scale of more than 250 billion yuan, financial giant Ping An Group joined the melee, recently launched its Internet financial strategic product "one wallet".

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< p > since 2013, Internet finance has sprung up: the Alipay joint Celestica fund launched the monetary fund "balance treasure". In just 3 months, the scale exceeded 50 billion yuan; in October 28th, Baidu launched the online financial product "100 hair", which broke 1 billion yuan on that day; Guohua life sold insurance through Taobao net, and sold 100 million yuan in 3 days.

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< p > in fact, since the "balance treasure" has achieved great success, the "balance treasure mode" of Internet Co's Monetary Fund has been widely replicated. According to incomplete statistics from journalists, there are more than 20 products like "balance treasure".

Baidu launched "100 hair", killing countless fans by 8% annual rate of return. NetEase's "Tim Jin plan" is a direct subsidy of 1% or 5%; after pformation, Suning Yun, a retail giant, formally launched the "zero money treasure" of its balance products on 15, and the annual yield of the test period reached 6.99% on the seven th.

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< p > as we all know, one of the highlights of Internet financial products is that there is no limit to the minimum purchase amount of a user, and a dollar can buy it.

In addition, the first reaction of banks or Alipay is to compare the investment income of the balance treasure with the current interest of the bank.

According to Alipay, the same ten thousand yuan, through the current account income is only 35 yuan a year, and if the value-added services through the year's income can reach 380 yuan to 400 yuan or more, the income is ten times higher than the current demand.

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Where does the high yield of net P financial products come from? Can such earnings continue? Insiders clearly say, "definitely can not be sustained".

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< p > the current Internet financial products are mostly tied to monetary fund, and the essence is to attract people to "spare cash" on the third party payment platform in the form of "T+0".

In the second half of last year, the interbank market became more intense and the interest rate of peers increased, which created the "time, land and interest" conditions for the short term investment oriented Monetary Fund.

However, with the gradual easing of market demand for funds, its yield will certainly come down.

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< p > Zhou Xiaoming, deputy general manager of Celestica fund, has also admitted that the annual yield of nearly 7 of the balance treasure of Tianhong Monetary Fund has not been sustained for a long period of time. "High yield is not always maintained, and it will return to normal in the future".

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< p > the industry believes that the balance of treasure products can be sold on the Internet, because it is close to risk-free rate of return.

But on the same platform, such as complex products in fund supermarkets, bond fund sales are very poor.

The success of the balance Bao's single product does not mean the victory of the Internet.

In the long run, when the future high interest rates no longer exist, it is the investors' need to consider how to < a href= "//www.sjfzxm.com/news/index_cj.asp" > investment < /a > financial management.

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