With the launch of Yu Bao this time, Wang Zixuan can be said to have played the role of a financial industry reformer.

Of course, there is the support of the bigwigs behind it, otherwise the regulator would not have approved the money market fund T+O so quickly, so that Yu Yu Bao can be cashed out on the same day, and at the same time, it has also increased the proportion of money market fund investment agreement deposits.

In the past, the deposit of the money market fund investment agreement could not exceed 3o%, but now there is no limit, so Wang Zixuan dared to say that Yu Bao only invested in treasury bonds and lent money to the bank.

Of course, it's not that the big guy can rest easy by supporting him.

At the beginning of this year, the State-owned Assets Supervision and Administration Commission (SASAC) strictly ordered that in addition to the 16 central enterprises with real estate as their main business, 78 central enterprises that have carried out real estate business but do not have real estate as their main business withdraw from the real estate industry, but few of the named enterprises have taken action.

As the eldest son of the republic, state-owned enterprises are full of confidence, and it is nothing new to delay and protest with the higher authorities.

The big brothers in the financial industry have more energy, so Wang Zixuan has been paying attention to the reactions of various channels in the capital.

In his previous life, he had also read several blog posts by Niu Wen on Yu Bao.

Commentators like grandstanding and Sister Feng have too many loopholes.

Although he despised this, Wang Zixuan still explained with a long scarf again: "All the fees of Yu Yu Bao are divided into three parts, the fund management fee is o.2%, the bank custody fee is o.o5%, the sales service fee is o.1%, and all fees are o.35%. The fee that my company can charge is O.O7% of the sales service fee. If the scale of Yu'e Bao is 2oo00 million, my company will get 140 million a year.

These fees are definitely the lowest in the industry, and with the expansion of the scale of Yue Bao, these three fees may be able to be compressed again.

The purpose of making Yu Bao is to make everyone make money, and the purpose of making a big one is to promote the reform of the financial industry.

In O9, the banking industry earned 668.4 billion yuan, and the profit of the banking industry is still high growth this year, and it may reach about 9ooo billion yuan for the whole year.

Assuming the scale of Yu'e Bao is 1 trillion, everyone earns 1% more. That's 1oo billion. If 6ooo billion yuan of one trillion yuan becomes interbank deposits, banks can reduce the deposit reserve of 1o2o yuan. 1o2o billion can also generate billions of profits for banks. The actual profit loss of the bank is not large.

Even if the bank loses 1oo billion in profits, it is only a small fraction of their profit of about 9oo billion this year.

The person who said that Yu Bao would increase the financing cost of the whole society is completely overlord thinking, I just want to earn 9ooo billion, if you dare to take 1ooo more from me, I will increase the loan interest and earn the 1oo00 million back.

I would like to ask, why are banks so capricious?

Since I am the eldest son of the republic, only I can lend money legally.

All right.

Even if the bank is capricious. Nor will the state let the banks be capricious.

The state will not let bank loans become usury.

Yu'e Bao will only allow everyone to earn a few more dollars, and will not raise the financing cost of the whole society.

Garlic you ruthless, beans you play, ginger you army, all prices are rising, bank profits are also rising, why can't the people's deposit interest rise by 1%. Everyone earns a few more dollars, whose cheese is moved?

If you must say that Yue Bao is a vampire, I hope that Yue Bao can suck more blood out for everyone, because this blood is everyone's.

Everyone has 1oooo million yuan in the bank, and there are only 36 yuan a year. But the banks have made hundreds of millions of dollars in profits with this money.

Yu Bao can now allow everyone to earn 3oo yuan for 1oooo yuan, which seems to have risen a lot, but it has not depreciated fast.

I hope Yue Bao can earn more for everyone. ”

This scarf was immediately praised by a large number of netizens. Comments.

"Support my husband."

"My husband said well, let's make a few more dollars, whose cheese did we move?"

"Support your husband, the bank is a vampire!"

"I only trust my husband. The experts are all dogs. ”

"I saved 50,000 yuan, earned 3 yuan 7, and the breakfast I ate today was invited by my husband."

"Saved 1oo thousand. In the future, the three meals will be invited by my husband, so happy. ”

"Too many people bite their husbands today, and tomorrow they will transfer all their deposits into Yue Bao."

"It's shameful to flaunt your wealth."

"Save 1ooo million, husband bag. Raise me. ”

"The student dog, who saved 5ooo yuan, actually has 3 cents. Save for two days to eat a steamed bun. ”

"Upstairs bag. Raise me! ”

……

Various controversies have also made Yue Bao known to everyone in China.

If there were still many people who didn't pay attention to the meeting of Prince Technology before, then now the whole country knows Yu Bao.

The financial crisis of 2oo8 has made stocks and funds a pain for aunts, and even if the stock market has rebounded in the past two years, aunts have avoided stocks and funds like snakes and scorpions.

Through the matter of Yu Yu Bao, many people know that there is such a thing as a money market fund.

Just like Wang Zixuan said, lending money to the state and banks is definitely not risky.

Funds don't have a long history in China.

In the past, there were very few bank sales, but when it came to O6 and O7, the bank naturally pushed stock funds, and as a result, O8 locked everyone up.

The stock fund is not good, the bank remembered to promote the money market fund, but the aunts are also talking about the fund, just heard that the fund ran away, how can the money market fund have a chance to sell.

Although the interest rate of Yue Bao is only a little higher than the interest rate of bank fixed deposits, it is still very attractive to aunts.

The 8-year financial crisis is not far away, and this year we are talking about the European debt crisis, and stocks, funds, and financial management all make people feel insecure.

A large amount of money is in the bank to eat interest.

The scale of the fund in 2o1o is about 2.5 trillion yuan, and the scale of wealth management is only about 7 trillion yuan, while the deposits are more than 7o trillion yuan, of which more than 36 trillion yuan are resident deposits.

The first to open Yu Yu Bao is undoubtedly Wang Zixuan's fans, mainly young people, although most of them do not have jobs, but seeing that Yu Bao's interest is higher than the bank interest, coupled with the trust in Wang Zixuan, many people persuade their parents to transfer their deposits to Yu Yu Bao.

The first two days were mainly driven by young people, and after Wednesday, aunts can also take the initiative to join the army of Yu Bao.

There is also a company that has been hit by Yu Bao.

Alibaba!

Small. The e-commerce of the letter has just begun to show, micro. There are only more than 40 million trust users, which does not have much impact on Taobao, but it is bound to Yu'e Bao's micro. Credit payment has vigorously impacted Alipay.

Alipay defines the year 2o1o as the year of user experience, aside from Taobao, Alipay is not much stronger than Tencent's Tenpay and Prince Technology's fast money, so Ma Yun removed the leader of Alipay, hoping to make Alipay this year.

In March, Alipay users exceeded 300 million.

There are now 400 million.

The exhibition is very fast.

Ma Yun was just satisfied, but she didn't expect that after Prince Technology acquired Quick Money, she directly threw out the killer weapon of Yu Bao.

For the convenience of shopping, many users have saved money in Alipay.

Anyway, the current interest deposited in the bank is not much. (To be continued!)

ps: Thanks to the book friends "Night. Look for "1oo tips."

Tips: The new domain name "biquge.info" has been launched by Biquge, and the original domain name is about to be discontinued. Please tell each other, thank you!