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Text Chapter 492 Wealth Management Treasure

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    Is Wang Zixuan so noble?  To be honest, it is true. At least in this matter, he thinks more about benefiting ordinary people.  ¡û Although Yu¡¯e Bao and Wealth Management Bao can increase the number of Alipay users and consolidate Alipay¡¯s position as the leader in the third-party payment field, without Zi Xuan, Ma Yun will come up with these products sooner or later.  He is not a genius. Except for the few years after his rebirth, he cannot see the future of Internet finance. At least now, it seems that Internet finance does not have big profits.  With the company he now owns, Ma Yun can bring Alibaba Group to the heights of his previous life, and under his influence, Alibaba Group should become even sharper.  In a few years, it will be a group worth hundreds of billions of dollars.  Although other companies have no golden fingers, Prince Technology¡¯s WeChat has become the leader in the field of instant messaging and social networking. With the popularity of smartphones, the number of global users should reach about 1.5 billion.  Prince Mobile has acquired Motorola, and will try to acquire Nokia in the future. Maybe it can really make a product that is better than Apple. Even if it can't, it should be able to become a good mobile phone brand.  Prince Vacation is also on the right track and has a high reputation around the world. With the support of brand effect and the substantial increase in domestic outbound tourists, profits will increase.  Evolution Media's programs such as "The Voice", "Run", "I Am a Singer", "Where Are We Going, Dad", "Sisters Over Flowers", and "Chinese Dictation Conference" can definitely be run for a few years. The profits of these programs will support  Next year, the company will launch more programs, and there will always be some that can become flagship programs, putting Evolution Media on the path of a virtuous cycle.  Tottenham and the Clippers have also embarked on the path of a virtuous cycle. Hundreds of millions of fans around the world have brought huge revenue to the clubs. The clubs can also buy the best stars to ensure their record and attract fans.  As for Chateau Romanee-Conti, as long as the quality is guaranteed.  It is impossible to lose money at any time, because he is the king of red wine, but under strict restrictions, the profit is not high.  These companies are thriving, and he has long lost the motivation to start a business. The basic purpose of playing Internet finance is to fulfill his promises and design products that can benefit the public.  At the same time, he also fantasizes about making economic reforms faster to avoid an economic downturn in a few years.  For him now, finding something challenging is interesting. ?¡­ ?Some experts have also analyzed the advantages and disadvantages of wealth management products.  Wealth Management Bao can be said to have achieved the two advantages of high interest rates and current demand, if the scale of Wealth Management Bao is large enough.  It is completely possible for the deposit system of the entire banking system to collapse, causing another large-scale transfer of deposits.  However, there are not many wealth management products on the market that guarantee principal and interest. The issuance scale of RMB 100 billion cannot even satisfy the users of Yu'e Bao. It can be said that the emergence of Wealth Management Bao this time will not have a big impact on banks, but it will seize balances.  treasure funds.  It can also be said to stabilize the share of Yu'e Bao, because as the interest rate of Yu'e Bao decreases, some users will consider whether to switch to financial products of banks and insurance companies with higher interest rates. Now that they have Wealth Management Bao, although they may not be able to do so for the time being.  Buy it.  But you can also draw cakes to satisfy your hunger.  Of course, this is all temporary. Once Wealth Management expands the types of financial products, it will still have an impact on the sales of financial products by banks and insurance companies.  But it can¡¯t be said to be a simple impact.  For formal financial products, this should be a win-win situation. ? Banks and insurance companies sell their financial products, while Licaibao plays the role of a platform, utilizing the huge Yu'e Bao funds.  Let banks and insurance companies complete the sales of financial products in an instant.  Banks and insurance companies can significantly reduce sales costs.  Why do banks oppose the launch of wealth management products? Because the wealth management products sold by banks vary in quality, and many of them are high-risk products.  They can also get higher profits. When facing customers with little financial knowledge, they can only talk about how high the profits are. No one can understand those complicated financial products. If they lose money at maturity, they can only admit that they are unlucky.  With the CaicaiBao platform, CaicaiBao will have professionals analyze the risks of these financial products. It is naturally more difficult to fool these professionals than ordinary people. Some financial products may not be available for sale, or may be labeled as high-risk by CaicaiBao.  products, this will greatly affect their interests.  It is precisely because Caicai Bao can regulate the financial product market to a certain extent and save costs that Li Cai Bao has received support from senior management and was allowed to be put into trial operation on a small scale.  Of course, wealth management products are not without hidden dangers.  For example, its anytime cash withdrawal and reservation service functions are a double-edged sword.  In the early days, the issuance of wealth management productsWith a small scale, reservation customers are definitely much larger than cash withdrawal customers, so there is no problem in meeting the demand for cash withdrawals at any time. However, once the scale of Wealth Management Bank reaches trillions or even trillions, reservation customers may not be able to cover the needs of cash withdrawal customers.  This makes it difficult to withdraw money.  In other words, this kind of game, which is logically similar to drumming and passing flowers, cannot always be played smoothly.  At that time, Cai Li Bao will have no choice but to change the rules, or Wang Zixuan will inject funds for turnover.  And it is illegal for Zixuan to establish a capital pool.  In short, it is impossible for wealth management products to cause any problems at present, but when the scale is enlarged to trillions, some problems may arise.  This is also the reason why Wealth Management is gradually advancing.  But in any case, Wealth Management is an excellent Internet financial innovation.  ??This point, everyone basically has no objection to.  The public naturally praises Zixuan for constantly designing safe and profitable financial products for everyone.  While launching Wealth Management Bao, Alibaba Group also increased the capital of Alibaba Small Loan.  Ali Small Loan is a pure credit loan that does not require mortgage or guarantee. However, it is currently only provided to Alibaba members. Ali Small Loan controls risks by mastering big data such as members¡¯ transaction volume in Ali, mainly to solve some problems.  The short-term and small capital needs of small and micro enterprises are generally less than 10 million yuan.  Alibaba Small Loan has helped many Alibaba members, and its operations have been very healthy. The non-performing loan rate is even lower than bank mortgage loans.  Wang Zixuan hopes to take a multi-pronged approach to lower social financing costs, although he also feels a little delusional, because the popularity of real estate has attracted a large amount of funds into the housing market, and rising housing prices have also made real estate companies willing to bear relatively high interest rates.  With his current capabilities, it is difficult to reduce the financing costs of the whole society.  (To be continued, please search Piaotian Literature, the novel will be better and updated faster! ps: (Thanks to the book friend "Staggering to Happiness" for the 100 reward)
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