Internet + Finance "Sucking Gold" Still Has Deposits Not "Moving"

Not everyone has the financial strength and courage of Lao Zhang. Many investors choose to find another way out for their bank deposits.

In Song Jia's view, Internet banking is a good choice. "Because I can't reach the threshold of bank financing when I start working, I am the first batch of investors who try Internet babies. Until now, I will still put some pocket money in it. It is very convenient to pay a water and electricity charge and return a credit card. The other is to invest part of the money to P2P. Of course, I choose the platform with less risk and reasonable return. Many young investors like Song Jia have expressed the same idea to reporters. It seems that after the introduction of the deposit insurance system, Internet banking's "sucking golden rule" will be more powerful.

Jinxin network chief operating officer Dan Fang believes that the introduction of the deposit insurance system will play a role of diversifying investment to a certain extent, and the P2P financial platform will usher in an opportunity for development. "The deposit insurance system stipulates that the maximum repayment limit of banks is 500 thousand yuan, which will cause some people's confidence in banks to waver. If an investor has more than 500 thousand yuan of idle funds, for insurance purposes, investors will try to diversify investment or "mix and match" money management. The annual P2P yield of about 12% will attract more investors.

An Dan Fang frankly said, for the P2P financial platform, with the acceleration of interest rate liberalization, the yield of the financial side products of the large P2P network loan platform will return to normal level to a certain extent. At present, some platforms on the net loan market will yield 20% of the yield at any time. In the medium to long term, the annual yield of investment between 8% and 10% is a reasonable scope. Although the yield of P2P will decline, the attraction of P2P financial management is still relatively large relative to the bank financial return rate.

Tang Xueqing, founder partner of purple horse bank, said, " deposit When you can't give people a sense of security, you will choose a relatively high return and safe way of financing. At that time, funds may flow into the Internet financial management platform. If the deposit insurance system can make the middle and high net worth people, large enterprises And large deposits such as social groups to put money out, into the Internet financial sector, to alleviate the financing difficulties of small and micro enterprises also play a role.

According to the reporter, there are still many middle-aged and old investors who choose not to "move". Investment Aunt Wang told reporters, "I have been in the bank for a lifetime, and some fresh things don't understand. I don't believe that banks can get rid of my money." Aunt Wang said that in the future, her investment and financial management will be based on time deposits and bank financial products.

Experts and bankers in the banking industry pointed out that although the maximum payment limit of the Ordinance is 500 thousand yuan, this does not mean that there are no security guarantees in excess of 500 thousand yuan. It is understood that over 500 thousand yuan will be involved in bankruptcy liquidation according to procedures, and be compensated according to law in liquidation property of insurance institutions. The maximum repayment limit of the deposit insurance system will also change with the development of the economy and the level of people's income and wealth. Therefore, the maximum repayment limit of the deposit insurance system is dynamic. Data show that the level of 500 thousand yuan is about 12 times that of China's per capita GDP, which is higher than that of the international level.

Therefore, people including central bank vice governor Pan Gongsheng believe that the deposit insurance system will not cause small and medium-sized bank deposits to "move". Pan Gongsheng said, first of all, China's banking industry is in good overall operation, and its overall operation is stable. The bad level is at a low level internationally. Secondly, the establishment of deposit insurance system protects the interests of depositors in the form of legislation, and helps to enhance the credit and competitiveness of small and medium-sized banks.