Internet banking insurance trend into the next how to go?

Following the launch of the "Jingdong 8.8" wealth management product with a fixed annualized cash payment rate of 8.8% in April, Jingdong Finance turned its attention to Internet wealth management products.

"Daily Economic News" reporter was informed that JD.com jointly launched a Pearl River Life Jingdong customers an exclusive choice of wealth management products - Super Money "An Win No. 1", the official sale date of July 16, the expected year The rate of return of 6.9%.

In this regard, the silver rate network financial analyst Niu Wen pointed out that the Internet is an inevitable trend of financial products, because the insurance product has the insurance function can be protected and common wealth management products income features combined features, and its strong revenue potential In money fund products. However, at the same time, it should also be noted that there is a single safeguard for internet insurance products and shortcomings such as the lack of free redemption of funds.

Expected annualized return rate 6.9%

"Now on the market, all kinds of baby, represented by the return rate of the IMF, is gradually returning to the rational range, after repeated research on the real needs of users, Jingdong launched Anwin One." Beijing Jingdong responsible person pointed out that the money The main investment products are: bank deposits, bonds, collective trust plans, government infrastructure projects. Jingdong will be launched in the future similar products to meet the various investment needs of users.

"At present, the yield of online wealth management products continued to decline, and users with high yield continued to lose.In order to retain users, the e-commerce platform began to seek more high-yield wealth management products." Jingdong Finance The partner Pearl River Life last year also followed Ali co-launched the Lunar New Year wealth management products, but also in 2006 this year, the network success. The cooperation with Jingdong like the marketing activities of both parties, activating user investment enthusiasm, and Pearl River Life Insurance more exposure opportunities. "China Electronic Commerce Research Center Internet finance analyst Qian Haili analysis pointed out.

However, silver rate network financial analyst Niu Wen to "Daily News" reporter said that "An on the 1st" is essentially a universal insurance. According to regulatory agencies, only 2.5% of the proceeds can be guaranteed. Therefore, the final product can claim the rate of return, but also need to see the specific operation of the product.

Qian Haili pointed out that the investment returns of collective trust schemes and government infrastructure projects will be relatively higher than that of investment in bank deposits, and the cost of network sales is relatively low, so the cost of sales saved can be rebated to investors and disguised investment returns. In addition, when the final rate of return can not reach 6.9%, Jingdong may also use its own funds to protect investors to subsidize investors.

Insurance wealth management

High-yielding Internet insurance products are increasingly favored by investors.

"Daily Economic News" reporter yesterday visited Taobao Finance Channel "Insurance Wealth Management Products" page found that the duration of less than 3 months, the minimum holding period of 80 days of Hong Kang Life Insurance Co., 80 days expected annualized rate of return 4.76%. With the extension of the policy holding period, the yield will gradually increase, reaching 5.2% a year later. In addition, a new version of Pearl River Life Huiyin No. 1 is expected to yield an annualized rate of 6.5% with a minimum term of 366 days and a cumulative sales volume of 193,100 and a total amount of 193 million yuan.

"The popularity of insurance money management is due in large part to the fact that it weakens the insurance attributes in the publicity and makes people feel similar to the original online wealth management products. Moreover, the Baby Corps has raised the expectation of users to the profitability rate. , Many users began to pay attention to the next investment opportunities. "Qian Haili pointed out.

Niu Wen also said that Internet financing of financial products is the trend. Because the insurance wealth management products have the advantages of combining the insurance function of insurance and the profit function of the ordinary wealth management products. In addition, the coverage of insurance wealth management products is broader than that of Monetary Fund and the potential for revenue is stronger than that of Monetary Fund. However, the broader the scope of investment, but also means that the higher the risk control ability of managers, the product is also facing a corresponding increase in earnings uncertainty.

She further pointed out that Internet insurance products also have some shortcomings, such as: product security features a single, and relatively simple; do not have the flexibility of monetary funds, funds can not be free redemption.

Qian Haili also said that in the long run, whether the insurance company can achieve the expected rate of redemption remains to be seen.