Where is the purchase of financial products, clear and the same as difficult to shake

"Where is the purchase of financial products, clear and the same as the number of shaking." "Multiple login Baidu financial platform failed, the white-collar from Beijing Kim (alias) and the money back to their balance treasure account."

Yesterday 10:28 A.M., Baidu Financial Center financing platform on the line, with the Chinese fund launched the financial plan "hundred" Open the first sale of financial products. However, in Baidu's "10 28 Fortune Festival", "Hao friends" found a bit of card login, the fund is once unable to buy.

Baidu to sell funds is seen as a reverse attack Alibaba "balance treasure" good opportunity, but the frequent failure of the site so that investors experience a great gap. On the same day, Ali aspects of the timely release of the balance treasure the latest data: As at the end of September, the size of the fund has reached 55.65 billion, the number of customers exceeded 16 million.

When Bat (Baidu, Ali, Tencent) all set foot in internet finance, a new round of the Dark War is already available.

First day experience

Once the target of the annual return rate of 8%, Baidu to sell funds from the beginning to earn enough eyeballs. Yesterday, Baidu Financial Center on the platform, the first cooperation products, Huaxia Fund to provide cash to increase the Money fund debut. Eager investors have not had time to buy, Baidu system immediately appeared a series of problems, including unable to login, can not click to buy.

Products sold less than half an hour, Baidu, the micro-Bo said, due to the page access to the number of instant concurrency, resulting in some areas of user login is affected. Until 13 o'clock in the afternoon, the financial center of Baidu's finance first resumed normal login.

"This shows that Baidu previously on the user's estimated lack of access, as an IT enterprise, if the server processing capacity is so fragile, in the future how to withstand more users in the Baidu financing platform to buy?" "One of the fund industry people, who declined to be named, told the first financial daily.

Baidu official data show that as of yesterday 14:50 P.M., Baidu Financial management sales have more than 1 billion yuan, to participate in the purchase of more than 120,000 users, currently the first batch of founding membership limit is full.

This one minute at least 458 people snapped up 3.82 million yuan of financial products is the public offering fund giant Huaxia fund company's China Cash increase money fund. The fund mainly invests in bank deposits and bonds and does not participate in equity investments. The Fund was established in 2004 and has not experienced negative returns by the end of July 2013.

Huaxia Fund official website of the latest data show that the Chinese-funded products of 7th-year return rate of 4.882%, nearly a year's yield of 4.07%. Yesterday, the balance Treasure of 7th-year return rate of nearly 4.8%, nearly one months the highest 5%.

It is noteworthy that yesterday, Baidu sold the fund did not mention 8% of the annual rate of return. Earlier, the high-profile propaganda had sparked concern from regulators.

October 21, Baidu announced that it will be on line with the financial center of the banking platform, and will join hands with China to launch the goal of the annual return rate of 8% of the financial plan "hundred hair." A day later, Baidu Financial Center public Clarification, said the annual return rate of 8% is only "income target", and said that there is no commitment to protect the proceeds. October 23, the SEC official Weibo response said that the media reported that Baidu United Huaxia Fund's financial planning target of 8%, not in line with the requirements of relevant laws and regulations, the next step will be based on Baidu and related agencies to submit written materials, the business compliance to be verified.

How to pursue high yield

Jiangins Fund Evaluation Center director Wang previously told this reporter that the current monetary Fund annual yield is basically in 3.5%~4%, from the current rate level, the final annual rate of return to 8% is almost impossible.

This reporter from close to Baidu people learned that even if no longer publicity 8% of the annual rate of return, "Baidu Fund" to pursue high returns still have articles to do.

One is the user reward. Close to Baidu's people said that in the Baidu Financial center financing platform as scheduled opening, as Baidu's payment platform for the hundred pay users to obtain a "treasure", the final Opening time December 27, 2013. Outside speculation, to achieve 8% of the revenue, bright spots to see when the "return" of the Treasure box.

Industry judge, Baidu pursue high income another way is "buy one send one", namely when the user invests, the Baidu also takes out own funds to subscribe the same amount, and then transfers the income to the investor. As a result, the fund's annual earnings are expected to reach 8% per 4% (though Baidu is no longer mentioning the expected gains).

This reporter noticed that previous Baidu's financial platform publicity page, has informed the user "how much money to buy financial products, how much money to send Baidu", for example, the user purchased a 100,000-yuan exclusive products, Baidu Financial Center will send users 100,000 yuan money management money, the proceeds of money to the buyer.

Industry analysis, Baidu's yell behind also have wind control measures, such as not excluding the subscription fund size control in 1 billion yuan, while the high yield of the enjoyment of the period of control in about two months, so as to ensure its own funds in the investment control within the scope of tolerance. Hongyuan Securities (000562.SZ) Institute deputy Director, chief analyst Yi Huan estimates, if according to this mode of operation, Baidu gives the amount of subsidy at tens of millions of yuan level.

BAT Big Three financial card position

As 70% of China's search market, with up to 500 million users of the scale of the search engine, Baidu "electric shock" internet financial travel twists.

Login is difficult to some extent affect the enthusiasm of investors, but is at the opening stage of the internet finance, the traditional financial products net innovation exploration deserves attention.

Yesterday, Baidu people to our correspondent disclosed that, in addition to the Chinese fund, the future of a number of funds, banks, brokerages, insurance, trust and so on may become Baidu Financial platform partners.

On the same day, according to Ali Balance treasure business data, June 13 on the line since the number of accounts has exceeded 16 million, the fund accumulated more than 130 billion yuan purchase. The information disclosed earlier this month shows that the Alipay parent company of Zhejiang Alibaba E-commerce Co., Ltd. will be to the Balance Treasure partner Tianhong Fund injected 1.18 billion yuan, holding 51% of the shares, become its controlling shareholder.

and Tianhong Fund of the three quarterly display, and balance treasure docking "Tianhong" money fund has to 55.653 billion yuan scale, over the scale of 47.024 billion yuan in China Cash Money fund, become the largest public offering fund.

The financial scramble around bat is intensifying.

This close to Baidu people told our correspondent, according to the planning, Baidu's overall financial products, including small and medium-sized customers for the "Baidu Small loan", the vertical search for financial customers "financial intimate" and user-oriented "Baidu Financial" three major business.

Analysys analyst Li Zichuan to our correspondent said, "Search + finance" is an important part of Baidu to create a comprehensive entrance, in addition to card location, will realize the platform transaction value of the promotion and search flow, which may change Baidu in the past to advertising revenue-oriented profit model.

Ali's Internet financial map, there are already paid companies, small loans companies, guarantee companies and Tencent Masters Ma, China Ping ' an MA and Ali the Masters of the "Three horses" jointly established by the Public Security online property insurance company, and now increased the asset management company Tianhong Fund.

As for Tencent, in the micro-letter 5.0 Full On-line introduction payment function, already has huaxia, the south and so on a group of fund companies to rob in the first time launched a micro-credit service account.

Li Yongzhong, director of Minsheng Economic Research Center, Central University of Finance and Economics, Internet finance is widely sought after, to a certain extent, reflects the common people in the financial management of the dilemma: we do not willingly put the money in the bank waiting for depreciation; Trust products are higher, but the starting point is too high; But there is still a certain threshold. Although the Money fund to solve the "change finance" problem, but before Ali, Baidu into the money fund, many people do not know the Money fund this investment variety.

This kind of financial knowledge popularization does not seem to be confined to the financial varieties, and its risk control has aroused concern in the industry. PayPal (PayPal) in the United States in 1999 to set up the use of the account balance of money market funds, 2007, its scale reached the peak of 1 billion U.S. dollars, but since the 2008 financial crisis after the decline in yields, in July 2011, PayPal had to be the liquidation of the Money Fund.