The network finance has certain knowledge threshold to the investor "set"

Summary: Pro, pay treasure spare money tired of sports? Thousand yuan fixed 3 months to be 7.15 Yuan bank to stare at biscuit crumbs, 1% rebate online more than 55 million deposits near the spring Festival, a busy year of the network to buy people should also have a good rest, a few days without the mouse keyboard of life

Pro, pay treasure spare money tired of sports? $7.15 for 3 months

Banks stare at "cookie crumbs", 1% rebate to pry more than 55 million deposits online

Near the Spring Festival, a busy year of the network to buy people should also have a good rest, a few days without the mouse keyboard life, but those who still have to pay treasure account of the scattered spare money may not be idle. Recently, some banks have been eyeing this seemingly "biscuit crumbs" of small money, Taobao sold a deposit products. According to South reporters understand that if only 1000 yuan to save 3 months of regular calculation, in the New Year's Eve deposit, to "51" Golden Week end of the return, you can get 7.15 yuan of interest. 7.15 Yuan on Taobao can buy what? A piece of cake, or a garlic? Look at the network to buy people's vision and skill.

Fixed access online is not easy

According to the "Fixed treasure" product introduction, the minimum purchase amount of the product is only 50 yuan, the minimum additional amount is 50 yuan; as a pure deposit product, the product has no risk, and does not involve any investment; from the rate of return, the product is divided into 3 months, six months, 1 years, 2 years, 3 years, 5 years a total of 6 grades, The annual yield is between 2.86% to 4.75%, of which the yield on the medium and short term products of 1 years and less is equal to 1 times the benchmark interest rate of the central bank, and 1 time-2-year interest rates are the same as the central bank's fixed deposit rate.

According to the product rule, the buyer can use the bank card of any bank of more than 160 banks to buy the product online, and the purchase amount is not capped; The product also stipulates that the buyer can access their funds at any time, but if the advance redemption is not due, the buyer can only obtain the equivalent of the current deposit interest income. 1000 yuan for 3 months of regular calculation, the maturity of the withdrawal can be 7.15 yuan interest, and if the advance of 1 days, can only obtain less than 1 yuan of interest.

The product also stipulates that after the expiration of the buyer can be paid by Alipay account will be transferred to the Alipay account, and then to the buyer designated by any bank debit card, if the expiration is not retrieved, then the funds will be automatically diverted to ensure that the buyer to maximize revenue.

At present, "fixed treasure" registration, deposits are not required to upload identity cards, but the first withdrawals must be uploaded ID card and audit passed before. Many buyers complained that the procedure is too complex and cumbersome to basically eliminate the idea of taking the present.

1% rebate Pry move more than 55 million deposits

Since last November in the Taobao Business Hall launched a bank's "fixed treasure" products, it seems that has not caused much concern, but since the launch of the December 3 to December 9, "collection of treasure" promotional activities, quickly become the most popular Taobao products. According to South reporters statistics, only December 3 day, "fixed deposit" on the production of 5683 transactions, on average, nearly 4 transactions per minute. The total turnover of more than 6.2 million yuan in the day, the bank brought a net increase in deposits of more than 4.7 million yuan, of which more than 80% is 3 months of short-term deposits.

According to incomplete statistics, promotional period, the average daily turnover of more than 8,000 pens, the amount of turnover in thousand yuan. There are 50 yuan, 100 yuan of money, but also tens of thousands of dollars or even 100,000 of large transactions. As of this Thursday 4 o'clock in the afternoon, the product on Taobao accumulated a total of 55453 transactions, according to the sum of thousands of yuan turnover conservative estimates, less than 3 months in time, for the bank contributed to the deposit as high as 55 million yuan.

However, the fierce deposit increase also attracted a lot of criticism, the most important question is that the product in the promotional period, the buyer in addition to enjoy 10% of the floating interest rate, there are Taobao offers "set cent treasure" concessions, equivalent to about 1% of the rebate. While the sale of banks and Taobao made it clear that the rebate was provided by Taobao, it had nothing to do with the banks, but the real yield on the product was higher than the current central bank's 1, 1 time-fold ceiling, which is an indisputable fact.

In view of this, in the promotional period after the end of the relevant promotional activities also immediately disappeared. Affected by this, the product attractiveness has also fallen sharply, since December 20, nearly 50 days, only less than 4400 transactions, on average, less than 100 transactions a day.

Action Tips

No 1% discount.

"With the end of the year award, the Spring Festival is usually before the people have more money on hand, while the Spring Festival is also the off-season for online shopping, for regular online customers, in the hands of sufficient funds, it is recommended that the full repayment of credit card arrears." "If the money is still rich, you can consider using some of the money to buy 7-day or shorter-term financial products for banks, and you can get interest rates that are significantly higher than the current deposit rate, without affecting the use of the various consumer spending after the festival," says Wang Huohong "Although there is no" collection of treasure "1% discount, the deposit product is still very suitable to pay the treasure on the net to buy more people to take care of spare money.

Lijian, an associate professor at the School of Economics, Fudan University, believes that internet finance has a certain knowledge threshold for investors. "Internet banking, the seller is only based on the assumption of risk, the investor's risk awareness ability is not recognized by financial institutions." The problem of asymmetric information is caused by the insufficient communication between the two sides. Therefore, the network finance to the investor, actually has the knowledge threshold, especially must have the certain risk cognition ability.