What Does The Balance Treasure "Suck Blood" 250 Billion?

< p > < strong > yield is higher than five years time deposit < /strong > < /p >.

When p was launched in June 2013, the seven day yield of "a href=" //www.sjfzxm.com/ "balance treasure" /a increased from 4% to about 6.4%, which is significantly higher than that of five years of bank deposits.

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< p > according to media reports, "balance treasure" scale from zero to more than 250 billion yuan, even according to the median 125 billion yuan calculation, "balance treasure" in less than 8 months for investors to contribute to the total amount of revenue will exceed 4 billion yuan.

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< p > in addition, at the beginning of January 2014, in the early January 2014, the balance treasure launched the first success of the value-added financial services for the "treasure powder". It has become the function of the class of balance treasure products which is launched by the market at present. It is to open the balance treasure to different types of financial products of different companies, so that users can choose products that meet their own risk tolerance and benefits, so as to achieve seamless connection between investment and financial returns.

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< p > < strong > positioning "grass roots" 1 yuan from selling < /strong > < /p >.

< p > people in the industry pointed out that "small and micro finance is dirty work and hard work. Large enterprises make more money than small and micro businesses in making hundreds of orders. Banks are small and micro finance with low input output ratio."

Although some traditional fund companies have a lower purchase amount, the cumbersome opening process hinders the potential customers' willingness to open accounts. The emergence of the balance treasure fills the gap of the industry.

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< p > in addition, the lack of funds from grassroots users does not mean that they do not have financial desire.

Although the average size of grassroots users is small, the total amount will be very small.

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Zhou Xiaoming, deputy general manager of "P > < a href=" //www.sjfzxm.com/ "> Celestica fund < /a >, said that the customers of the balance treasure were located in the" moonlight clan "and" Xiao Bai "customers, setting off the" grass root financial feast "which was sold at 1 yuan, and" anywhere, anywhere, at your fingertips, not queuing up, not filling in the list, not being tortured by online accounts, and no need to learn how to use it ".

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< p > Yu Hua, general manager of Morgan Stanley Huaxin Fund, points out that the balance treasure can not be duplicated. The balance treasure sends the best experience to the customer's hand. As long as the customer lightly delimits the fingers, everything is available, and the fund company opens its own shop, including services and accounts, which can not keep up with the needs of the customers. It is precisely because of the customer experience that it has formed a difference of about 100 billion and about 20 million.

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< p > < strong > big data support < /strong > < /p >

< p > insiders pointed out that the survival and development of domestic fund companies in the future may depend on platforms such as Alibaba, Tencent and Baidu.

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In the first half of 2013, Tmall ranked the top of B2C network pactions with 50.4% of the market share. Alibaba also ranked first in B2B market share in the first half of 2013, while Taobao accounted for 95.1% of the total market share in the C2C market in P in the first half of 2013. "The Taobao Market" ranked 46.4% in the B2C market.

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Zu Guoming, director of the Finance Department of Ali small and micro financial services group, said that Alipay would provide users with funds such as pfer and shopping data to the fund company several times a day. The data analysts of fund companies will monitor and analyze these data, and give the results to the fund managers for reference, and predict how much money they need to redeem for second days to arrange the second day liquidity of the fund.

With the support of big data, Ali has become the target pursued by various fund companies.

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< p > according to WIND data, as of January 14th, the total value of Tianhong Zeng Li Bao was 309.24 yuan since its founding date, ranking the first among all class a monetary funds.

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< p > Zhou Xiaoming, deputy general manager of Celestica fund, said: "the difficulty of monetary fund management is mainly the relationship between liquidity and profitability. Good liquidity, profitability and security will also be good. Liquidity management is the main challenge.

The customers of balance Bao are positioned in a large number of ordinary personal customers. They are small in quantity and scattered in behavior. They can integrate predictable and predictable data. With the help of big data analysis, we are more accurate in handling liquidity than traditional monetary funds.

With the increase of scale, on the one hand, liquidity management will be more difficult; on the other hand, large scale monetary fund will have stronger bargaining power.

Our capability in mobility management and big data support is also improving, and there is a considerable capacity to match the scale of investment capability. "

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