Internet banking bonuses will go away? Not a paradox, is the truth

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Balance Po after the launch, Internet financial became the largest piece of TT. Several Internet companies to follow suit, launched its financial products, and traditional commercial banks are not far behind, launched a counterattack, “war”. In this smoke disappeared, but brutal war, various financial products is the killer app of the Internet Gao Hongli, higher-yielding …

It can be said that Internet banking is in hot pursuit of a warm, both their appearance and reasons for users lies in its ability to generate higher earnings and higher dividends. But apparently that’s not sustainable–at least for some period after which you are subject to the normal laws of the market. Internet finance higher dividends and high yield will go away is never a paradox of the Internet myself, but the truth …

Gao Hongli and scattered with the wind in the early …

Internet banking made Gao Hongli unequivocally at the beginning of birth, high yields–the banner of Internet financial Po is typical balance of financial products by virtue of “bank savings interest the slogan attracted 10 times the user ultimately facilitated by a variety of factors, becoming China’s largest single fund size and customer. Gao Hongli stimulation, higher income is obvious, according to statistics, as of January 15, Po 7 months balance scale to more than 250 billion yuan, net purchase of 3 million yuan of funds per minute on average.。 After 14 months, if you reach the scale of more than 800 billion yuan, a year is equivalent to a large bank deposits new …

     the rise of Internet banking to make people see how much banks are profiteering, while its greatest significance of nature are under the monopoly of traditional banks in the country’s single largest opened the opening of financial markets to the general public, and even to some extent by the high level of recognition. By Dick managers bring the whole trend of the surging Internet products come out constantly is a maximum strength of Internet financial year. And after the rise of Internet banking, instantly turn from blue to Red Sea, financial products grew, earnings than a high, competition is fierce.。.

      Internet financial bonuses will be gone with the wind, because it is not a product of a stable environment, but Internet companies, as well as in order to compete with traditional banks deformity arising from a product. This year, the Gao Hongli, high profit Internet banking product will be decreasing reason is an inevitable choice.

Dividends will be decided by the market …

Internet financial products like savings, convenience, balances Bao is able to go out and support online, but also for users to earn above a current interest dividends and yield of several times and even dozens of times, users naturally in droves. Contrary, the traditional banking, only improved short-and long-term rates. In this way, of course, one is in a bank transfer of funds to the financial products on the Internet – since the second half of last year declined for the first time is the best proof of the total bank deposits, which means that was subject to strict controls on bank interest rates there have been direct competitors …

While Internet banking product as compared to the total volume of money compared to traditional banks still a fractionof those, but it is the emergence of Internet banking product for the dividend, earnings, interest rate market-oriented reform opened a new way of thinking. At the moment, accompanied by a step by step approximation to Internet banking products, have begun to pressure on banks hold reserve, directly caused the Bank raising yields on financial products, yielding “breaking six seven” bank financial products can be found everywhere …

     imagine that once let go of dividends or interest rate markets, competition will be more fierce, price wars will also be a main theme of market. If you want to end this war as soon as possible, and that only when the high cost of deposits at all when I don’t make a profit, some opponents opt out of this market, interest rates will gradually stabilize. The rapid development of Internet banking products to reduce barriers in financial services, banking, securities and insurance, intermingling with the different areas of operations, will dramatically change the financial system as a whole.。 This may accelerate the pace of advancement of marketization of …

  In addition, we would like to see is that while Internet banking product now yields, but in the end he was financial products, cannot guarantee not losing money. Just deposit and deposit insurance system, not products. High dividends, and high interest rates financial products on the Internet stage was over, again many people who tend to be conservative in the amount of money that banks, and wouldn’t buy those high interest rates financial products. It can be said that Chinese demand deposits will not go away. (The science fiction Galaxy   Constantine/text).

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Internet banking bonuses will go away? Not a paradox, is the truth

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