In recent years, network technology has become more and more developed, communication methods have become more and more convenient, and there are various APPs on mobile phones. In the past, you could only bring cash when you went shopping, but now, the aunts selling vegetables in

In recent years, network technology has become more and more developed, communication methods have become more and more convenient, and there are various APPs on mobile phones. In the past, you could only bring cash when you went shopping. Nowadays, the aunts selling vegetables in the market post Alipay and WeChat payment QR codes. Through these app software, has brought a lot of convenience to our lives.

Alipay and WeChat can be described as the two “giants” in the payment industry. The difference between WeChat and Alipay is that WeChat integrates chat and payment, while Alipay is purely for payment and provides a lot of financial products. The income is generally good and is deeply loved by the majority of users. support.

Friends who often use Alipay should know that Alipay has many functions, which not only meet the major needs of our lives, but also provide us with financial products. In 2013, Alipay launched the function of and Yu'E Bao . At that time, the yield was really high, with a yield of about 7%. , even though many people were not willing to save money here at first, but with the popularity of Alipay With the promotion, many people have saved their money here after tasting the benefits, and some people have also put their newly received wages here to manage their finances and get benefits.

Generally speaking, that was when Yu'E Bao had the highest interest income, and many people became loyal fans of Yu'E Bao.

Dad Ma once said: "If the bank does not change, then he will change the bank." With the emergence of Yu'e Bao, he has fulfilled his promise. Yu'e Bao is an important factor in changing the bank.

Since the launch of Yu'ebao, major banks have been unable to sit still. In order to compete with Yu'ebao, banks later launched some financial products, making competition in the financial market more intense.

After the launch of Yu'e Bao, Alipay seized the dividend traffic, and opened up the field of life payment, allowing everyone to pay various living expenses on Alipay anytime and anywhere without leaving home, including transportation, hotel accommodation, etc. wait.

Alipay has achieved new development in just ten years.

After statistical analysis of the data, in the past two years, why have more and more people "farewelled" to Yu'e Bao, preferring to deposit their money in banks instead of Yu'e Bao?

The first point: low interest

Yu'e Bao has gone from 7% at the beginning, to 4%, and now less than 2%. As you can imagine, this is not a slight drop...

Data can be seen : Yu'ebao seven-day annualized income, if you save 10,000 yuan, the income will be about 50 cents, you can't even buy Weilong spicy strips ~

Customers are smart people, and they will naturally go wherever it is beneficial to them. , the bank's current financial product that calculates interest on a daily basis, has a yield rate that is several times lower than Yu'e Bao.

Why did Yu'e Bao, which was loved by everyone in the past, fall so sharply?

In fact, Yu'e Bao is essentially a currency fund, which mainly invests in money market instruments, including bills, interbank deposits , short-term bonds, etc.

Currency, like other commodities, is also affected by supply and demand.

The biggest reason for the decline in Yu'e Bao's revenue is that the market is not short of money.

has more supply on the one hand.

In April this year, the People's Bank of China lowered the RMB deposit reserve ratio by 1 percentage point. The RRR cut injected a large amount of funds into the market.

Banks are no longer short of money, so they naturally do not need to use high-yield products to attract funds, and market-based interest rates will naturally fall.

on the other hand has less demand.

The stock market is sluggish, the real estate market is frozen, the United States is engaged in trouble, black swan incidents occur frequently, the economic situation is shrouded in gloom, the public is afraid of high-risk investments, and the demand for money is naturally less.

The poor economic situation has led more people to invest their money in low-risk places such as currency reserves and bank deposits, which will further increase the supply of money.

has more supply, less demand, and the price has dropped, so there is nothing wrong with it.

The second point is unsafe.

Why do you feel unsafe? There are two main points. The first point is that Dad Ma’s offline does not trust the new boss, and there have been many negative news repeatedly, so there are many People are not willing to take risks and store their money here, and the interest rate is not high, so it is unnecessary.

The second point is that there is a bug in Yu'e Bao.

After a user in Harbin transferred a deposit of 460,000 to Yu'e Bao, he was unable to withdraw cash due to repaying his mortgage. The page showed that it may involve violations and prohibitions, and some functions were restricted. Subsequently, the user consulted customer service and said that he could withdraw money after 1084 days.

This user is very annoyed. Now he is in a hurry to repay the mortgage. All the money in the family is stored here. Life is now a problem. If he can only get this money after 1084, how will he live in the meantime? Moreover, when the lockdown is lifted After time, whether the user's application will be rejected in another way is still unknown. If something goes wrong with

, Yu'E Bao's credibility will naturally drop significantly.

The third point, consumption habits

With the improvement of current lifestyles and the rise in prices, many people's wages are only enough to cover living expenses. It is difficult to have a lot of money to deposit into Yu'e Bao, so this is also a problem. .

Summary:

people are very realistic, and life is also very realistic. If you succeed, eating salted fish and white porridge is called health preservation; if you fail, eating salted fish and white porridge is called shabby.

Do you still deposit money into Yu’E Bao?

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Contents of this article - Physical retail trend