Two things happened to the internet banking network yesterday.

Yesterday the Internet banking circle happened two things, one thing is the balance treasure announced the scale of more than 250 billion yuan, the other is a micro-letter "financial management Pass" on-line.

It's a little more interesting to compare two things together. Refraction is two levels of competition, the first level is Alipay and micro-letter competition, are in the preemption of mobile payment of the territory, the second level is the balance treasure of the cooperation between the Fang Tianhong Fund and financial management through the cooperation between Huaxia Fund competition, because the same was yesterday, Tianhong Fund's asset scale has surpassed Huaxia fund to become the largest fund company in China.

But for our ordinary users, the advantage is more than a choice, the original you take out the bank deposit in the balance treasure, now you want to consider the balance treasure money out of the treasure?

Balance Treasure & Finance Pass, how do you choose? Here we might as well compare these two products (both for the mobile side experience comparison).

Into the process, through the author experience, two of products are simple process, payment smooth, within 5 seconds can be completed purchase. However, considering that we open the micro-letter every day is much higher than the pay treasure purse, so the financial access in any time and anywhere to see the benefits, more attractive than the balance treasure.

Into the amount, micro-credit financial management, the trial run during a single card in a day not exceeding 8000 yuan, each financial access account funds not more than 1 million yuan. Balance Treasure use Alipay balance into the daily Unlimited, card quick payment of a single pen does not exceed 50,000 per day, not more than 50,000 (computer end is not more than 5000), no more than 100,000 per month, each account funds not more than 1 million yuan.

Transfer the amount of money, micro-credit management through the daily transfer of money not more than 6000 yuan per day can be turned out 3 times, balance treasure to transfer out to the bank card single limit of 1 million yuan, daily limit of 1 million yuan, daily maximum can be transferred 3 times per month without limit. Turn out to Alipay account daily limit of 50,000, monthly limit of 200,000.

To account time, micro-credit management support ICBC, ABC, CCB and other 11 banks 2 hours to account, other banks within 1-3 days to the account. Balance treasure on the mobile phone support 2 hours to account, the computer end 24 hours to account.

The rate of return, the difference is not much, the financial management Pass is 6.44%, the balance treasure is 6.67%, this figure does not explain what, because has been in the change, it is likely a few days after the wealth of money through the balance of treasure, this is not good to say.

Another important difference is that the balance treasure can be used directly for consumption, shopping, financial management can not, unless you first transfer to the bank card.

In summary, the balance treasure in the amount, turn out to account time, as well as consumer availability on the advantage, financial management in the ease of operation more than a chip. So, who would you choose?