Profit 8%, Rob, hard to earn

Income 8%, rest assured Rob, hard to earn! Baidu, one of China's big Three internet giants, has a "fire".

21st, reported that Baidu will be announced on October 28, "Hundred Hair", by the Baidu Financial Center, Huaxia Fund launched jointly, the annual return rate of 8%, China Investment Guarantee Limited Company guarantee, the minimum investment threshold of only 1 yuan, after the sale of support for rapid redemption, immediate mention.

Compared to the market, including "balance treasure" and other robust money funds 4% of the yield, which is almost one times higher! There are people in the industry laugh, Baidu did not dare to do the trust thing.

The author 21st in the Baidu Financial Center site participated in the "1 Cents Rob Gift Package" Activities, the left side of the floating box to write "Baidu revenue 8%" words. Gift Package is one of the privileges: "How much money to buy the plan, send how many Baidu financial plan, buy more to send." "Specifically speaking:" You buy 100,000 yuan special enjoy products, Baidu Financial Center to send you 100,000 yuan Baidu finance money, financial benefits to buyers. ”

In fact, the mode of operation is similar to that of the current balance treasure, and the yield is in line with the market money market funds. 8% where does the high income play come from? In their own payment tools and customers relatively limited circumstances, this may be Baidu in order to expand visibility and strive for customers to take a marketing tool, Baidu through short-term concessions, back to complement investors to achieve the 8% commitment. In particular, investors buy hundreds of 1 of dollars of hundred-dollar money funds, Baidu will also follow the vote, and its own earnings to the investors, 4%+4%, investors enjoy the fund's double earnings, but the transition period is tentatively 2 months.

However, 22nd morning Baidu changed its tune. Its public clarification "hundred" is not a single monetary Fund, but a combination of financial planning, also do not promise capital preservation, guarantee 8% of the annual rate of return. The day Baidu Financial Center website "Revenue 8%" floating box has been replaced by the countdown to the product online. However, fortunately, the author of the "Thousand-dollar Gift package" is still in the "Buy to send" privilege has not changed.

In addition, Baidu in the "Hundred Hair" role is also a puzzle. According to the existing monitoring system, the imitation of the "balance treasure" will require the payment and settlement of the fund to be paid by the third party, and pay has not yet obtained the licence. The pay will be online this month 28th the product, and use hundred pay payment settlement. In this way, Baidu is already known to be in 7 days to receive the fund third party payment license? Or is it a policy risk, "Xianzhanhouzou"? is unknown.

The relevant product details have not yet been published, the author does not want to discuss the "hundred" product itself in the regulatory controversy, but the Internet-style marketing methods so used in the financial industry, it seems that Baidu some "unprofessional."

In accordance with the measures for the management of securities investment funds, the promotional materials of the Fund shall not predict the performance of the Fund's securities investment; Although Baidu in the clarification of the claim to protect the benefits of capital preservation, but 8% of the earnings forecast is no doubt also violates the content of the method.

However, Baidu as an Internet enterprise is not within the regulatory framework of the SFC, its partner Huaxia Fund also did not cooperate to make any publicity, the above method I am afraid it is difficult to carry out substantive punishment.

With the surging of internet financial tide, the channel innovation of Internet enterprise is more and more dazzling. But the financial industry is a serious industry, from marketing propaganda to information disclosure, from product design to sales management, there are very strict and meticulous standards of regulation. Electric dealers commonly used to disrupt the marketing means, I am afraid not in the financial industry completely universal, to earn eyeballs, making gimmicks is certainly possible, but as the Internet enterprises in the financial field of deepening, compliance with this sword of Damocles, at any time may let slightly unfamiliar internet giants have suffered. Like Baidu, should do homework before the layout of internet finance.