In one year, Yu'e Bao has achieved a huge scale that all fund companies could not do together before. What is the secret of its success?
First of all, its name is pleasing and simple. Direct and fun. Compared with "Shopping Market Fund", the name "Yu'e Bao" attracts us more. So recently, all kinds of financial tools, all kinds of treasure, have borrowed this kind of Internet thinking from Yu'e Bao.
Second, Yu'e Bao has solved the last mile problem of liquidity. Originally, monetary funds could only be called "quasi demand deposits", because demand deposits can be used at any time, but it takes two working days to arrive after the redemption of the money base. Through the matching of big data, Yu'e Bao can connect the daily massive amount of money for purchasing the goods base with the money for redeeming the goods base in real time. Generally, it can redeem the magic tool within a few minutes. In this way, Yu'e Bao will become a perfect substitute for current savings.
However, there are a lot of money bases now, and even a few minutes' arrival time of Yu'e Bao is not needed. For example, one second's instant arrival can be achieved for current accounts.
In addition, Yu'e Bao has solved the problem of 7 * 24 hours. Redemption at any time can achieve immediate payment. Although the speed of purchase and redemption has changed, the method of calculating income has not changed.
Third, Yu'e Bao changed the monthly settlement income of the original goods base to the daily settlement income. Such a small change has a great impact on investors' investment psychology and actual investment results, because from the third day of purchasing the goods base, you can see that the money in your account has changed, and you will quickly have a happy mood.
Fourth, Yu'e Bao has directly opened up the two channels of consumption and investment. When we buy online, we don't need to use online banking payment, or even bind bank cards. We can use the money in Yu'e Bao directly to pay the bill, so that we can maximize the efficiency of funds. With such a money base, we don't need to deposit any regular savings, You don't even need to put a penny of current savings in your bank card.
At present, these successful innovations and transformations of Yu'e Bao have become the industry standard of monetary funds. Even banks, securities companies, and even p2p online lending platforms have launched similar products like monetary funds. Today, although Yu'e Bao is still the largest monetary fund in China, if you are a wealth management expert, you no longer need Yu'e Bao.
Because the scale of Yu'e Bao is too large, the income is not high, and it can rank above the middle among all types of goods bases. In addition, the current redemption speed of Yu'e Bao is not the fastest. But there is another key point. After more and more people began to use Alipay and WeChat payment, the two companies began to shear wool successively. If you make money from Alipay to bank cards, you need to charge a service fee, and the money in WeChat will also be charged a renewal fee when it is transferred to bank cards. The purpose of doing so is to let you leave your money in Alibaba and Tencent's systems. At present, Ali and Tencent can help us to complete various consumer services in our lives, and there is no need to transfer them. But if you just want to transfer, but don't want to pay the service charge, what should you do? In fact, there are also some methods. Download the "online merchant bank", directly use Alipay to log in, and bind the corresponding bank card. In this way, the money in the bank card and Alipay can be transferred to each other. There is no service charge in the whole process.
