As night fell, the wind outside the window carried raindrops.

Ye Zheng sat on the sofa in the living room and was looking at the Nanyue Financial News. As the September investment wants to become bigger, he finds that he really can't ignore the policy movement, maybe it's just a small policy change, and the company will close its doors tomorrow.

In the field of Internet finance, the most eye-catching thing today is not the emerging industry of online lending, which has mixed honors and disgraces, but the payment insurance launched by the 40 thieves. As the so-called popular right and wrong, Ye Zhengzheng found a rather offensive article: "Yu Qianbao is a big fool!" 》

In the article, the author pointed out: "Yu Qianbao's income is actually the act of buying the money market fund of Hongtian Fund, which is essentially an investment, and the investment income formed by the investment must be risky. From a regulatory point of view, the payment guarantee only has a fund payment to take pictures, and there is no fund sales license. Once the regulators make a move, they are likely to be stopped. ”

"Alipay is not the same as a deposit, the deposit is guaranteed by the national credit, and the investment behavior is guaranteed by no one to you. As for this, many people have come to criticize me, how can there be a state credit guarantee for deposits. I don't even want to explain this childish question. Deposits in any country are guaranteed by state credit, which is nothing more than an explicit guarantee or an implicit guarantee. Of course, it's another thing for the state to go bankrupt and not be able to guarantee it. ”

……

The author is obviously biased towards banks, and he emphasizes the safety of bank deposits, suggesting the risks of Yu Qian Bao.

"Sure enough, it's an expert!"

After Ye Zhengzheng finished reading it, he couldn't help but shake his head and smile bitterly.

In fact, the author's statement is also correct. But he seems to have deliberately ignored one point, where did the 250 billion funds of Hongtian Fund's monetary fund go? At present, more than 90% of the Hongtian Money Market Fund is invested in the interbank bond market.

This market is quite new to the public. Because ordinary people cannot participate in this market, only Huaxia's banks, securities, insurance and other financial institutions are eligible to participate. So these financial institutions borrow money without the guarantee of national credit?

It is worth mentioning that due to the monetary tightening policy implemented by the central bank, banks have been frequently short of funds recently, and hundreds of billions of funds are urgently needed. In this case, interest rates in the interbank bond market have risen sharply. The China Shipping Interbank Offered Rate closes. The overnight repo rate closed at 13.444%; The 7-day repo rate closed at 11%; The one-month repo rate closed at 9.4%.

It is precisely because of this that Ye Zhengzheng personally believes that this model is not a fool. It's doable.

In fact, many experts only see that the income of Yu Qian Bao is higher than that of bank deposits, so the public pursues "Yu Qian Bao". But in Ye's view, everyone has overlooked the most important point. Including the big four banks that are now restless.

July 209 BC. The imperial court levied Luzuo Tun and Yuyang, and Chen Sheng and Wu Guang were the tun chiefs. They traveled to Daze Township, but were hindered by heavy rain and could not arrive on time. According to the Qin law, the head must be killed after expiration. Chen Sheng and Wu Guang launched an uprising and put forward the slogan of "Great Chu Xing, King Chen Sheng". Chen Sheng established himself as a general, with Wu Guang as the captain. The rate of the tired pawn will be hundreds. turned to attack Qin, chopping wood for soldiers, and unveiling rods for flags.

While marching in, they continued to replenish their troops and expand their ranks. By the time they reached Chen County, they had six or seven hundred military vehicles, more than 1,000 cavalry, and tens of thousands of foot soldiers

……

This was the Chen Sheng and Wu Guang uprisings in Chinese history, the first large-scale peasant uprising in history. It's just a major event that will go down in history, but Chen Sheng and Wu Guang definitely didn't expect that they would lead hundreds of people to rebel in desperation, and finally easily gather tens of thousands.

History is always strikingly similar.

Before the launch of "Yu Qian Bao", they also did not expect that there would be 49 million registered users in just 7 months, and the scale of Yu Qian Bao exceeded 250 billion.

When Yu Qian Bao was just launched, the Forty Thieves Network actually did not have too many expectations for Yu Qian Bao, and they gave Yu Qian Bao a promotional positioning as a platform to help users manage the surplus funds in their online payment accounts.

Yes, their goal is simply to keep "the surplus money in the account". Because many people buy something on the website, they will have a little change left, and since the money does not generate value-added income on the account, they will transfer the money back to the bank card.

For example, there are now more than 200,000 online members in September, but the money in the members' accounts has skyrocketed to hundreds of millions except for Monday, and usually only a few million. Why? Because the money is left in the online account in September, the value of the money does not increase, but it is placed in the bank, and there is more or less 7 thousandths of the interest, that is, 1000 yuan is put in a whole year and there is 7 yuan of interest.

It was in this context that the forty thieves made this new attempt, but they didn't expect that they just called for a little bit, and as a result, the members who paid the insurance account took all the money in the bank account, forming a scale of 250 billion.

Inadvertently, Yu Qianbao became a bandit leader and directly robbed the bank of 250 billion deposits.

In the final analysis, it is not that the "payment guarantee" of the 40 thieves is tempting, but that the banks are too much to oppress the people. It is not so much that the personality of the 40 thieves is strong, but that the bank has lost the hearts of the people.

Ye Zhengzheng has seen from here that the people have long been dissatisfied with the monopoly of traditional banks. If the Forty Thieves Network didn't have the courage to replace it, he wouldn't mind working harder, destroying the banking industry and building a financial empire.

The "September Pass" has now been tested, and if the test is completed, he will follow in the footsteps of the Forty Thieves and launch the "September Current Treasure". Of course, the target will be slightly lower, intending to grab 100 billion from bank deposits first.

"Brother Politics, come here!"

Tiger Girl suddenly ran up from the other side of the room, grabbed his arm and pulled him back.

"What's the matter?" Ye Zheng put down the newspaper and looked at the little girl puzzled.

Hush!

Tiger Niu put her index finger in front of her mouth, signaled him not to speak, and walked on tiptoe over there.

Ye Zhengzheng was a little puzzled, followed her to her mother's door, and when she saw her putting her ear on the door, she couldn't help frowning, when did this little girl learn to eavesdrop.

"What!"

The door opened suddenly, and Gu Jiao stood in front of the door with a straight face, holding her mobile phone in her hand.

"Ask her!" Ye Zhengzheng immediately lifted the tiger girl and easily betrayed her.

"Auntie! Frankly and leniently, I have heard it just now, it is a man, and you still say it...... Ah! The tiger girl looked at her with eyes and said crisply, but her face was ravaged.

Gu Jiao pinched the fleshy face of the tiger girl, and her face was angry, "You actually overheard me calling, your skin is itchy, isn't it?" ”

Male?

Ye Zhengzheng was slightly stunned when he heard Hu Niu's words.

Actually, this time his mother came back and he felt a little weird. I thought I was coming back for a weekend, but I didn't expect that it would be a full five days, and I didn't have the appearance of a workaholic. And he happened to call his aunt yesterday, and he always felt that she had something to hide from him. (To be continued......)