< p > here, the world is < a target= "_blank" href= "http://m.pmae.cn/" > clothing < /a > a target= "_blank" href= "_blank".

< /p >

< p > < /p >.

< p > "I think banks will not exist in 20 years."

-- financial writer Wu Xiaobo < /p >.

< p > < /p >.

As of P, as of June 2014, the balance became the largest Monetary Fund in China. The total number of investors exceeded 100 million, far exceeding the active trading account of 67 million households in the national stock market.

With the growth of the balance Bao, its interest rate has dropped from the highest 8%~12% to less than 4% today.

So, is there any prospect for the balance treasure? Of course, the balance treasure will also push the traditional banking reform.

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< p > < strong > first simulate such a user scenario: < /strong > < /p >.

< p > 9:00 in the morning: open Alipay, found that today earned 2 yuan, the bus fee has been solved! Last time in the bank has kept 50 thousand time deposits, also does not know one day how many interest? < /p >

< p > 11:00 a.m.: a remittance is needed, because the interest on OTC pactions is amazing. Instead of online pfer, it needs to charge more than 1%. Finally, it decides to take the mobile phone, because the bank is doing "mobile phone pfer free" activities.

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P > 13:00 noon: while taking lunch break, hurry up to the next bank's mobile client, but for a long time, the password for Internet banking and the password for mobile payment are all forgotten.

After calling the customer service countless times, I found that I needed to reset the password at the counter.

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< p > 13:30 noon: after 10 people, the queue number waited (wasted) for 30 minutes, reset the password, vowed to never come to the bank counter in addition to changing the password.

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< p > 15:00 PM: after a lot of frustrating, it was finally successful through the pfer of mobile banking. After a month, four or five passwords (different bank cards, different payments, online banking landing, mobile payment passwords, etc.) were all forgotten.

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P: 21:00 PM: after a busy day, shopping for a few things, choosing bank cards to pfer to Alipay. After shopping, they pferred the zero into the balance treasure to prepare for a rest.

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< p > 22:00 PM: friends WeChat group said, balance treasure can buy lottery tickets, let me buy lottery tickets.

But forget it. If the betting fails during the world cup, I might try it.

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< p > < strong > user scenario designed to illustrate the characteristics of balance treasure: < /strong > /p >

< p > 1, solve the problem of information opaque.

Users have money in the bank, do not know where their money goes, do not know their daily a href= "http://m.pmae.cn/news/index_s.asp" > interest less than /a > how many, do not know how much interest earned by the bank; and the balance of the interest after deducting the cost of the interest paid to users, low interest rates, high, or at least open and pparent.

< /p >

< p > 2, frequency of use.

Online shopping is well-developed today. Maybe you can shop at least once a week, but you can't go to the bank once a week.

It is easier to retain money where there are more frequent uses.

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< p > 3, convenient paction.

Bank counters, queues and so on during rush hours are crazy.

But there is no such problem on the Internet.

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< p > 4, the balance treasure is the poor economy, and the small money economy of the rich.

The figure of 5030 yuan per capita investment also shows that large assets will be placed in banks and the balance should be kept in balance.

In the early balance of the treasure rate of more than 8%, there may be a large amount of money pferred; and once interest rates fall, users will first choose banks or bank financing.

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< p > 5, Yu Ebao has become invisible "cock wire bank", more than one hundred million of the user scale, China's largest Monetary Fund.

Apart from a licence, what is the balance of treasure? What is the bank? The innovative method of balance treasure will continue to erode traditional banking business.

For example, when the balance treasure income is only 4%, it will provide you with different financial products, "XX income 6%, XX earnings 7%", and how similar it is to banks to encourage users to buy money instead of regular mode.

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< p > 6, when a href= "http://m.pmae.cn/news/index_cj.asp" > balance treasure < /a > not only grabbed our small change, but also can occupy our regular and large deposits, when one day Ali bank formally landed, do we still need traditional banks? < /p >