Economy--financial management--optimist says financial management (second quarter)

Internet finance 1, Balance treasure

Today's house price drop is to be dragged down by the balance treasure abruptly.

Accurate say-to-peer, Bitcoin, crowdfunding, two-dimensional code payment, are the Internet financial innovation products.

Money market is what, balance treasure is a large-scale monetary Fund. China's largest, the world's fourth-largest monetary fund.

Internet thinking, is simple, direct, fun, you know the balance of treasure is the money fund.

The balance treasure has made four key modifications to the traditional goods base .

Four key reasons for the balance of the treasure burst red

1, t+1 t+2 changed to T+0 T is today,t+1 is today buy, tomorrow only calculate purchase success.

Some fund companies on the internet to buy General t+1 can be posted. This was remarkable, and some banks later launched the T+0 service. But this is not the same as the balance treasure.

when the fund company came to the account, it was the equivalent of the bank lending me the money. After two days, the fund company's money will be paid back to the bank , but the middle of a day or two are interest (ultra-short-term loans).

I'm going to give the bank interest to t+0 the service.

The bank later also launched its own t+0 financial products, ICBC's fast line, CMB's Day and day gold, the yield is very low, generally only 1. A few, so when you recommend money to others, the general will add a word

Called quasi-current savings . It means that he is not able to withdraw money at any time as a bank current savings. If you apply for redemption before 3 o'clock in the afternoon on weekdays, it is usually to the next day, the third day to the account, if it is after 3 o'clock in the afternoon

, it is considered to be the next day of business, but also to push back a day to the account. If it's Week 5, it's trouble.

balance treasure in order to prevent large-scale user withdrawals, each account can only take out 5W per day. Especially in the quarter, when money gets tense. Financial management will be less, only 2W yuan. In the quarter, when the money became tense, everyone was busy with the deposit move.

There will be "can't afford" situation, there will be a temporary moratorium on redemption.

5W is enough for the cock. If it is local tyrants, a day to take millions of, buy a cash po Tim Fu. Up to 500W of real-time redemption amount.

Economy--financial management--optimist says financial management (second quarter)