Yu’ebaoVSBank余额宝和银行.ppt

1、Yue bao VS Bank,Yue bao -a money-market fund promote by Alipay 余额宝阿里巴巴推出的为个人用户一项余额增值服务,Bank- one kind of financial institution 银行一种金融机构,1. the development of The internet financial 互联网金融的发展 Development of Internetfinancethroughthe bank on the net,the third party payment,personal loansand otherstage,

2、and increasinglyin thefinancing,the corematching,the supply and demandoftraditionalfinancial business,互联网金融的发展经过了网上银行，第三方支付，个人贷款等多阶段，并且越来越在融通资金，资金供需双方的匹配等方面深入传统金融业务的核心,Why Yue bao is so popular?,2.People can check their income from investments easily by a look on phone, It makes financial management

3、 more simple for the middle class.,人们可以通过简单的看一眼他们的手机便知道投资收益，对于中产阶级来说，投资变得十分简单便捷。,3.“Theresnopointinkeepingmoneyinthebankanymore.Thisisjustasreliable,moreflexible andyoucanearnalotmorefromit,”one investor says. 一位投资者表示：“再也没什么理由把钱存银行了。（余额宝）这种方式同样可靠，又更灵活，收益也大多了。”,Initially pitchedbytheChineseecommerceg

4、roupasaplatformforitsuserstomanageexcessfundsintheironlinepaymentaccounts,YuEBaoisbecomingsomethingfarmorepowerful:a straight -upsubstitutefortraditionalbankdeposits. 起初，阿里巴巴对余额宝的宣传定位是，帮助用户管理在线支付账务里富余资金的平台。如今，余额宝正在变成一款比这一定位强大得多的产品，即传统银行存款的直接替代品。,Is it the same to deposit,Yuebao is only a way for peo

5、ple to invest , though it very convenient and high yield,but its different from deposit. Deposit is people put money in bank and get some interest as remuneration.,High yield 高收益 Remuneration rmju:nren 酬劳 报酬 回报,Which one is better,ThereareathousandHamletsinathousandpeopleseyes. Therefore,we can choo

6、se both of them to improve our financing ability.the former is high risk ,high return,the letter is common and low risk .,Some comments,2014/2/24,cctv commentator Niuwen xin: Whereisthe bankbalancetreasureimpact?ItsimpactisChinesesocial financing costs,the impactofnational economic security.Balancet

7、reasure is lying on thebanksvampire,is a typicalfinancialparasites,itdoes not create value,but through theeconomic cost toreap profits fromhighersocial.No doubt,myopinion is thatonbalancethe treasure,alsoChinatonormal financial order.,2014年2月24日，央视评论员钮文新说：余额宝冲击的哪里只是银行？它所冲击的是中国全社会的融资成本，冲击的是整个国家的经济安全。

8、余额宝是趴在银行身上的“吸血鬼”，是典型的“金融寄生虫”，它并未创造价值，而是通过拉高全社会的经济成本从中渔利。毫无疑问，我的主张就是取缔余额宝，还中国以正常的金融秩序。,Yu E baosstyleis very flexible,convenientservice,canredeem at any timefor paymentorcashdeposit,withstrong liquidity,easy to usefeatures at the same time,but alsoallows customers toobtain higherreturns,this isdoneto

9、 the customer as the center,the banksit is difficult to havesimilarproducts relative should be;,余额宝的方式极为灵活，业务开通方便，可以随时赎回用于消费支付或提现，在具备活期存款流动性强，使用方便的特性的同时，却又可以让客户获得较高的收益，这点完全做到了以客户为中心，银行目前很难有类似的产品相对应；,In my opinion,Yuebaois playing aasymmetrical warfare,ifonly immersedin their own world,to look atthe newbalancetreasureoutchallengerwithfor many years the inertia of think