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【搜狐IT】互联网理财产品跟银行理财产品,说到底只是名词前面的定语不同。同样属性的两者跨界趋同,是眼下正在发生的现实。然而,它们中间还是隔了一公里,最难打破的一公里。以前互联网理财产品其实并无太多包装,像余额宝,轻轻松松借助当时还未引起银行强烈反击的协议存款利率和天然的用户入口,将自身推向一个标杆性的高峰。可最好的时候无疑已经过去——货币市场流动性的宽松让余额宝们的收益率逐渐回流到常态,监管层似乎也即将要求余额宝们缴纳未知比例的存款准备金。高收益率这张牌,显然已经打完了。
[Sohu IT] Internet financial products and bank financial products, in the final analysis is only the terms at the front of different. The same property of the two cross-border convergence, is the immediate reality. However, they are separated by a kilometer, the most difficult to break a kilometer. In the past, in fact, there was not too much packaging for Internet wealth management products. Like Yu’ebao, it easily pushed itself to a benchmark peak by using the agreed deposit rates and natural user entrances that had not yet caused banks to fight back strongly. The best of times can undoubtedly have passed - liquidity in the currency markets has loosened the returns of surplus treasurers back to normal, and regulators seem to be demanding that the remaining treasurers pay an unknown percentage of their deposit reserves. High yield this card, apparently already finished over.