As Alipay forcibly entered the field of wealth management and investment in the form of Yu'ebao in the past 13 years, Internet wealth management products have begun to blossom after several years of development. Below I will mainly introduce several Buy email list forms of Internet wealth management products, and explore several new models with a brief taste.
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1. From zero to one: wallet financing
Wallet financial management, as the name suggests, is a financial management service for cash. The amount in the wallet can be directly consumed or used, and its origin is the demand deposit of the bank.
The source of wallet wealth management is the enhancement of the fund precipitation ability of third-party payment, and the accumulation of a large number of user balances has improved a sufficient foundation for payment institutions to get involved in asset management. In May 2013, Yu’e Bao opened the boundaries between user balances and wealth management accounts by connecting with Tianhong Fund, officially announcing that Internet companies are entering the traditional financial industry.
As a type of collective wealth management, monetary funds have much higher bargaining power than ordinary users to banks and other financial institutions, and can enjoy higher returns and maintain liquidity. Hundreds of billions of user balances have been raised, causing banks to worry about Internet companies taking food.