Tourism Service website Ctrip recently also launched a Cheng

Abstract: In the balance treasure and other types of treasure everywhere, tourism service website Ctrip has also launched a Cheng, to the annual 16% of the high yield shock debut, and declared 0 risk. However, with the current market of various kinds of treasure-bound money funds, carrying Cheng is only a guest

In the balance treasure and other types of treasure everywhere, tourism service website Ctrip has also launched a Cheng, to the annual 16% of the high yield shock debut, and declared 0 risk. However, with the current market different kinds of treasure-bound money funds, with Cheng only customers buy gift cards, after the expiration of a certain amount of gift card as a benefit, and gift cards can not be exchanged for cash.

Fund industry Personage said, this kind of high income propaganda is only gimmick, gift card's fluidity is limited, can only be facing the traveling demand customer, difficulty obtains the general investor's approval. The personage thinks, near the end of the year, the fund face tightens, each kind of wealth management product yield high. Ctrip's move will boost sales, while early access to investor funds can be used as an investment.

Ctrip Station shows that there are three types of Cheng zone of so-called wealth management products, there are 90 days travel fund, 180 days Travel fund and monthly return gift package, marked the annual rate of return of 16%, 12%, 4%, the threshold from 10,000 to 30,000. In essence, the so-called wealth management products, only pay for the purchase of gift cards, after a certain period of time after the card can be a certain amount of additional revenue gift.

For example, the purchase of a 90-day travel fund with Cheng customers, paid 10,000 yuan in the day after the purchase, on the 91st day can be 10,000 gift cards and then receive an additional 400 Yuan gift card. This calculation, that is, to obtain 16% of the annual income, but the obtained Ctrip gift card can not be exchanged for cash.

Ctrip said, carrying Cheng is not a monetary fund, but is a financial nature of gift card products, the user in Ctrip purchase with Cheng, by Ctrip direct commitment to maturity income, "Ctrip Gift card (let me swim)" form directly into the user's Ctrip account.

SHENZHEN, a fund industry insiders believe that Ctrip launched this kind of similar financial products, its essence is to let customers pay money in advance to buy gift cards, to carry out additional promotional activities. At the end of the year with tight funding, do not rule out the Cheng with the client funds in advance to finance investment.

Ctrip Station related personage tells the securities Times reporter, to carry Cheng advance obtains the use of the client funds and so on the question is not convenient to disclose. Ctrip station show, with Cheng down line "90 days Travel Fund", "180 Days Travel Fund" and "monthly return" three products, follow-up will also be introduced more characteristics of tourism financial products.