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In the midst of thousands of calls, the wealth management treasure has finally landed. Pen "Fun" Pavilion www.biquge.info

On March 17, Alipay issued an announcement that the wealth management treasure will be opened at 9 a.m. on the 21st, with an initial scale of 300 billion and a fixed annual interest rate of 7. It can be withdrawn at any time, with a sales service fee of 0.1 and a bank custody fee of 0.05.

The bank custody fee is naturally taken by the bank, and the service fee of 0.1 is all earned by Alipay, and the financial institution that issues wealth management products takes money from the service enterprises or projects.

In December last year, Wang Zixuan announced the project of Wealth Management Treasure, which made the approval of various departments faster, and many companies were also tempted to see that they could get financing in 7.

Many companies have sufficient collateral, but the financing cost is also more than 10, how can you not be tempted to see 7 financing.

However, Alipay itself does not issue wealth management products, they can only become wealth management products through financial institutions such as banks, insurance companies, fund companies, and securities companies, and then sell them on Alipay's platform.

Alipay itself does not bear any risk, but banks, insurance companies and other financial institutions bear the risk, if a project has a problem, the financial institutions that issue this wealth management product must also guarantee the principal and pay interest.

Financial institutions take risks and naturally want to make money.

Alipay charges a handling fee of 0.1 to users who purchase wealth management treasures, and financial institutions charge them to enterprises.

The financing cost of enterprises is still higher than 7, but it is much lower than the previous financing cost, because financial institutions have no sales costs.

The cost of sales is all to Alipay, and Alipay uses a large number of users to complete sales in an instant.

Many enterprises have cooperated with financial institutions to help them issue capital-guaranteed wealth management products for wealth management treasure. Because the interest rate of Wealth Management Treasure is public, there is no cost of sales, and they have sufficient collateral, financial institutions do not have much risk in doing this project, so they naturally cannot charge too high commissions.

For companies with sufficient collateral, it is not difficult to find a financial institution to work with, and there are too many partners to choose from.

Banks, insurance companies, fund companies, securities companies, trust companies, and many companies are willing to do it.

Wang Zixuan originally thought that wealth management treasure would not reduce the financing cost of the whole society on a large scale, but the financial treasure craze set off in the financial circle in the past few months made Wang Zixuan also a little surprised.

There were not many principal-guaranteed wealth management products issued by financial institutions before, and he thought that the wealth management treasure with guaranteed principal and interest payment might not be big, but he didn't expect that this product would soon become hot.

If it weren't for the Spring Festival, many financial institutions would be lazy a lot, and the scale of wealth management treasure issuance would be larger.

After the news of wealth management treasure was released, it also attracted the analysis of many experts.

This time it's basically all praise.

There is no objection that wealth management treasure can reduce the financing cost of the whole society.

The financing cost of wealth management treasure is even lower than the cost of bank loans, everyone knows that bank loans are not so easy to get, 5, 6 That's the official statement.

However, there must be sufficient collateral to guarantee the principal and interest, and if you want to borrow 100 million, you must have at least 150 million, or even 200 million or 300 million collateral, otherwise financial institutions are unwilling to make products that guarantee principal and interest.

No one knows how big the wealth management treasure can be, but it is certain to reduce the financing cost of enterprises.

Banks' earnings will take another hit.

The initial offering of wealth management treasure is three times that of Wang Zixuan in December last year, and bank stocks fell on the same day, and the market also dived rapidly.

In May last year, Evolution Media signed an artist, causing Huayi's stock price to plummet, and countless shareholders were injured.

The stock market has just rebounded a little, and Prince Technology has launched Yu Yu Bao again.

Yu Bao eroded the bank's profits, and the bank's stock price fell again, leading the broader market to continue to fall.

In late August, the stock market stopped at around 1900 points, which is about 400 points lower than another time and space location, and is already approaching the lowest point in 08 at 1664.

After seeing Wang Zixuan's neck, the shareholders who closed their accounts also secretly called it lucky.

However, under the hot economy stimulated by four trillion yuan, the stock market obviously will not keep falling, and after falling below 2,000 points, it will attract a lot of bottom-buying funds to enter the market.

The advent of Yu Bao is also understood by the market as a measure of financial market reform.

The state also doesn't want the stock market to keep falling.

After all, the markets of the rest of the world's major countries have been rising for both years after the collapse in '08.

Under the impetus of all parties, the stock market began to rise again, and because it fell hard, it also rose quickly.

It rose to more than 2,800 points in three months, which is not as high as in another time and space, but the increase is much larger than that in another time and space, and the growth rate is also faster.

It was only in December that it peaked and fell when the central bank raised interest rates to tighten monetary policy and took profits to flee.

But at the end of the year, Wang Zixuan made a slight . The red envelopes of the Spring Festival Gala, major companies have thrown money, and the stock market has once again come out of a wave of rebound.

Many experts also boast that this time it will hit 3,000 points.

As a result, as soon as the wealth management treasure came out, bank stocks plummeted again, and the broader market also fell rapidly.

Wang Zixuan does not invest in A-shares, but he has been playing the role of a killer of A-shares in the past two years, and from time to time there is news that A-shares have plummeted, which has made many shareholders depressed.

The yield of wealth management treasure can be withdrawn at any time and 7 has also attracted the attention of many people and institutions, who have transferred funds to Alipay and are ready to buy wealth management treasure on March 21.

At 9 o'clock on March 21, the wealth management treasure went on sale on time, and the 300 billion wealth management treasure was robbed in just over a minute.

It also blew up online.

"Kid me! I went to the toilet and came back and it was gone. ”

"I grabbed 1 million, hahaha."

"It won't be Alipay that directly uses Yu'e Bao funds to buy wealth management treasures, right? 300 billion, it's gone in a little more than a minute. ”

"Yuebao increased by more than 500 billion in two days last week, obviously they are all coming for financial treasure, and they dare to go to the toilet at this juncture."

"I didn't get it either, so I had to make an appointment."

Alipay's sales of 300 billion wealth management products in more than a minute also made the financial community that paid attention to wealth management treasure a little chilling, although I knew that wealth management treasure would be sought-after, but this speed still exceeded everyone's expectations.

Is Internet Finance Really Coming?

It's so hot.

In the past few years, there have been some P2P on the edge of the law on the Internet, but because of the low reputation, there are not many people who invest, and only a few people who pursue huge profits buy as financial products.

After the prince technology launched Yu'e Bao last year, there are a lot more P2P companies on the network, and the profit of 120% is also very attractive, but most people still lack trust in the products on the network, and in general, the scale of the P2P industry is not large.

However, with the addition of Yu'e Bao and Wealth Management Bao, the scale of Internet finance is very large. r1152

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