The next day, when everyone was still concerned about whether September was applying for the "Payment Business License", September Online suddenly announced in a high-profile manner that the company would cooperate with Blue Sky Fund and plan to launch the "September Current Treasure".

At the beginning of this year, the 40 thieves launched Yu Qian Bao, and in just 7 months, the scale of Yu Qian Bao exceeded 250 billion yuan, and the number of users exceeded 49 million. This is undoubtedly a great victory for the 40 thieves to enter the financial industry, and at the same time, it also makes the previously unknown Hongtian Fund become the largest fund company in China in terms of assets under management.

Yu Qianbao has opened a new model of Internet financial management, so that ordinary people can withdraw and shop at any time, and enjoy higher interest than the benchmark regular interest. The specific situation is: transferring the money into Yu Qian Bao is equivalent to buying the Yu Qian Bao Money Market Fund provided by Hongtian Fund, and you can get income.

It is worth noting that Yu Qianbao does not belong to a money market fund, it is a money market fund under a Hongtian Fund, creating a "Yu Qian Bao model", which can also be called the "Internet + money market fund" model.

The success of this model is due to the fact that the Big 40 Pirate Network has a large number of users, and also because of the deep reliance of the people on the money market fund.

A money market fund is an investment fund that invests in short-term (less than one year, with an average maturity of 120 days) securities in the money market. The Fund's assets are mainly invested in short-term monetary instruments such as treasury bills, commercial papers, bank certificates of deposit, banker's acceptances, government short-term bonds, corporate bonds and other short-term securities. It has the characteristics of stable income, strong liquidity, high capital security, etc., and has won the trust of the people.

According to the central bank. At present, the total amount of personal savings deposits of Chinese residents is 45 trillion yuan. Among them, more than 16 trillion yuan is demand deposits, which is the largest space for Internet balance financial management.

It was so, after seeing the proud success of the Forty Thieves. Many well-known Internet companies are also targeting this emerging market, raising funds from customers and investing in the money market through their platforms.

And now, September Online, as a weakling, wants to grab the 16 trillion market, which has caused an uproar in the market.

However, September Online is about to launch the "September Current Treasure". In fact, it is not favored by everyone.

"Am I not mistaken? September Online? ”

"Why am I here, please give me a reason first!"

"Although I think it's okay to be online in September, but this thing. I...... Let's sit back and wait for the joke! Ha ha! ”

……

In this regard, there have been speeches on the Internet to ridicule, although the product has not yet been launched, but most people are not optimistic. Not for anything else. It's such a small company as September Online. There is no ability to attract gold at all.

In the current market, except for the forty thieves, other companies have not done well in the past. Listed companies such as Xifang Finance Network are also doing it, but the results are not satisfactory, even if they use the company's reserve funds to allow customers to withdraw money in real time.

In fact, if you study deeply, you will find that the general Internet companies can only realize "Internet + money fund", but with the help of the advantages of its original platform, Yu Qianbao has achieved "Internet + money market fund + online shopping + online transfer". So this model is very difficult to plagiarize.

"Dong Shi Xiaofeng, the strange phenomenon of grassroots online loan companies! -- Xifang Fortune Network.

This article is very interesting. First of all, he introduced the surplus money treasure model of the forty thieves at great length, and by the way, he helped advertise his products. Then the conversation changed to the whimsy of a grassroots online lending company, which also wanted to participate in this game.

In the article, he claimed that this "Yu Qian Bao model" is based on a game that only a large number of users can afford, and that the launch of this plan by an online loan platform is simply nonsense and ridiculous.

……

September Forum.

The website thinks what I think, and supports it! -- The boat naturally collided with the bridge.

It's long overdue, and it's good to earn more interest! -- The tree on which the penalty stands.

I still have to top it, it does have some use for me! Expect! -- Forever not handsome.

……

If you listen to the comments outside, you will find that the launch of "September Current Treasure" online in September is playing with treasure, and there is no need to push it out at all. However, here in this forum, a different picture is presented.

In fact, the source of the matter is very simple, because September Online is not an ordinary online loan company, it has something that other platforms do not have - September debt-to-equity swap.

This product, which is launched on time every Monday, has been favored by the vast majority of members, so on that day, they will have enough funds from their bank cards to buy it. But after the rush is completed, they don't want to buy the general products of September Online, and they will eventually flow back into their bank cards.

This one in and one out will naturally not generate interest. In September, the debt-to-equity swap was only one week apart, and the money was not too much, so most people chose to leave it in the bank and lie down, enjoying the interest of 7/1000 of the pit people.

That's right, if September Online launches a product like Yu Qian Bao, many of them will definitely welcome it and are willing to put their money in it.

……

However, none of this has anything to do with Ye Zhengzheng, he took the tiger girl on the plane to Hong Kong, intending to relax his body and mind.

"Brother Politics, it's so strange to have an aunt just now!" The tiger girl who came back from the bathroom, with water stains on her face, looked at him seriously with a small face.

"What's wrong?" Ye Zhengzheng was flipping through the magazine, shrinking her feet and letting her sit inside.

"She kept staring at me, I thought my face was dirty!" Tiger Niu walked into the seat inside, tilted her head and said.

"The result?" Ye Zheng looked at her face, there was nothing dirty.

"I washed my face and looked at me when I came out!" Tiger Girl opened her eyes.

"Don't be afraid, on this plane, you can't turn away." Ye Zheng is very relaxed.

In fact, it is also strange, in the past, Hu Niu ran around in the ancient village without worrying about her, but now, even the distance of more than 100 meters from the school to the Dongfeng Building did not let her come alone, worried that she would be abducted. The city is full of prosperity, but it is also full of a lot of helplessness.

"I'm not afraid that she will kidnap me, it's that she stares at me, it's weird...... Look at it! Not again! Tiger Niu explained, and then calmly pointed to a woman who appeared.

This is a woman in her thirties, with a goose egg face, a slightly chubby body, but with good facial features, she looks very attractive, wearing a black and white professional uniform, obviously she should be on a business trip to Hong Kong. At this time, her eyes were withdrawn from the tiger girl, and then put on Ye Zhengzheng, and the smile on her face slowly disappeared.

syllable

Ye Zhengzheng turned his head to see the woman who appeared, and followed the stranger to look at each other for two seconds, but his arm was slapped inexplicably. (To be continued......)