Heartily, the "babies" war begins quietly.

The 2013 "Money tight" and interest rate marketization, let the money fund mastered the weather and geographical location, internet company's "Baby Corps" opportunity turned out, and quickly won countless "small white" heart. Into the 2014, the more competitive "Baby Corps" slogan louder, more profit pie painting, investor enthusiasm unprecedented high, standing in the air of the internet finance, will bring us a national investment spree, or the exposure of dangerous dark flood? At present, the balance treasure total assets have exceeded 410 billion yuan, Registered users reached 81 million, this number has exceeded the number of shareholders in China. And Tencent's "financial access" was also popular with users. Faced with the impact of various internet financial products, many banks have been forced to launch a variety of "treasure" to fight, "babies" of the war quietly began.

2013 is the year of Internet finance, 2014 to mobile Internet finance, that is, the year of mobile internet finance, this trend can be classified as four, is mobile, social, socialization and industrialization. During the 2014 Spring Festival, the micro-letter launched the "New Year red envelopes", so many people immersed in the red envelopes, bask in the happy atmosphere of happiness. However, the intention behind this simple idea is not simple. Due to the need to send a red envelope account and bank card, so when you finish this happy experience, many people also unconsciously become micro-credit management Qualcomm customers, by the way to buy income attractive wealth management products are also understandable. In fact, the function of the smartphone is extensive, has far more than the handset recharge, buys the movie ticket, the taxi payment and so on simple use, has become the people first choice financial management and the wealth increment channel, thus has changed the modern life style greatly. It is noteworthy that these "little gestures" of "cash wallet", "micro-mail" and other apps (smartphone third-party applications) are growing and innovating, churning the "financial world" and forcing banks and even the entire financial sector to consider repositioning and coping.

Bao class products competition is increasingly white-hot, with the balance of treasure-led Internet wealth management products emerge, wooing a large number of "cock silk" over the money. Recently, the bank also lonely, joined in, has launched its own "baby". In the face of the various funds on the internet "baby" products, investors have been cross-stitch eye. Now the banking department "Baby" is constantly emerging, investors in the end how to choose? Balance Treasure of the return of the year, the bank treasure gorgeous reverse attack, recently, the Treasure class Internet financial products, the heat decline. The decline in investor enthusiasm stems from a decline in the earnings of financial products. It is reported that since the March, the overall rate of capital interest in the low hovering, relying on the money fund of the treasure-type product income also gradually slipped. Balance treasure, Baidu profit, NetEase cash and other early "star products" today's 7th-year rate of return is also more than 5.1% to 5.5%. Suning Change Bao 7th annual return on April 18 is only 4.838%. At the end of last year, the internet baby products hovering around 6%, some products even up to 7%. In the face of the gradual decline in earnings, investor enthusiasm also in a little bit of decline. At the same time, the bank version of the products of the treasure has begun to overtake. It is understood that April 21, Minsheng Bank launched the Ruyi Bao and Societe Generale launched the shopkeeper purse income is 5.073% and 5.912%, and Guangzhou agricultural firm's supreme treasure on April 20, the income reached 5.734%. Through this set of data, we can know that the income of the bank-like baby products overall seems to be more attractive than the treasure-type Internet banking products. In this regard, some insiders believe that for the bank version of the Money fund, banks usually give the trust fee concessions, so compared with the Internet to link the Money fund, they have a certain cost advantage. What do you spell in addition to income? Yield is an important standard for measuring a financial product, but not the only one. In addition to the rate of return, the investment threshold, the convenience of purchase, security and other issues are important considerations when investors choose. 1, on the threshold: Bank treasure lower---that year balance treasure shouted a dollar money also can finance the slogan turned out, let many "cock silk" They also have a financial addiction. Today, a number of banks are the treasure category of products again lowered the threshold, low to 1 cents. In this, can only say that there is no minimum only lower. 2, on security: Bank Bao more security----security issues have been the balance of the vast number of users of the treasure a question. Some experts point out that, compared with the Internet platform, the bank's credit is still relatively high, investors more comfortable with the bank. 3, on the convenience: the Internet Treasure class products to buy more convenient---lazy people to pay attention to is convenient, the Internet era the most important feature is fast. And in the bank "class balance Treasure" financial products purchase experience, its application process is more cumbersome, time-consuming and longer. At the same time, there are more restrictions on the purchase of financial products, such as ICBC, ping only support the bank card. This is relative to the Internet treasure products moving fingers can be completed by the deposit and redemption, it is not an advantage.

How should investors choose to face so many "babies"? A mobile phone based on the application of the software palm of the treasure came into being, the palm of the Treasury is a comprehensive financial services for the public users of the integrated platform, it provides users with timely and updated, valuable economic data, information and financial planning, Also have various types of practical computing tools, stock management tools, everything, for the user intimate financial. The goal of the treasure is to let people who do not understand the financial management in the application of cultivating financial awareness, so that people who understand financial management more convenient and scientific financial management. Today, the Chinese people's attention to finance and their own financial awareness in the improvement, "money" has become the eternal topic of social people, more or less lead the people's "money fate", almost all the income of the people, will involve financial management. At present, mobile applications on the market, nothing more than bookkeeping tools (with notes, digging money, panda finance, etc.), stock stocks (big wisdom, flush, etc.), information category (first finance, 21 finance, etc.), financial management (financial assistant, Super Financial management, etc.).

Tool class: User stickiness is not enough, users will use when generating requirements

Stock Stocks: User groups are too fixed, the market is relatively narrow

Information Category: With real-time, but not through the user's financial data for personalized analysis and customization

Financial Category: Financial products single, cannot cross row filter

It can be seen that there is not a good product in the market today, it is able to combine the mobile application platform of financial products, stock, fund management, lottery, tool application and real-time, professional information.

And the palm of the treasure is the integration of the current mainstream of a variety of financial management options for users to choose from, will also be based on the user's income and expenditure situation, as well as the current market, for users to recommend appropriate financial methods and detailed financial advice. At the same time, the product is based on the application of mobile phone, can allow customers anytime and anywhere to use, personal finance operations.

So the baby to move up, take the money to see treasure, to help you succeed.