The Internet is shaping the investment habits of the younger generation

Xu Hao from Shanghai every reporter

The Internet is shaping the investment habits of the younger generation. After the balance of treasure, 5% yield as a "life guaranteed" psychological bottom line.

With the unpredictable earnings of the traditional financial products raised funds, annotating the expected rate of return and a clear investment deadline has become the standard format for most online financial products. A number of emerging Internet investment and financing platform has mushroomed successively, and the size of the initial appearance. Among them, a considerable part of the initial stage of the platform will be positioned in the product "fixed term, expected earnings, low-risk" varieties, the yield range of 5% to 10%, the average yield of about 8%, the current year 6% of the benchmark bank loan interest rates go up about 30%.

The various "baby" currency products, represented by Yu-Po, can be described as version 1.0 of Internet Banking. The accompanying 2.0 wave is characterized by a fixed term, expected return and low risk.

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