bao（余额宝）
来亚楠 20124090304

Contents
1
Introduction Advantages
2 3 4
Comments
Private opinions

Introductions
Yuebao,

Advantages
• Fast, convenient and the most important thing is that the interest is much higher than current deposit interest . • Pay consumption and roll-out at any time , without any fee and money inside it can also be ued for online shopping and transferring accounts. • Win the trust of the users of business.
a moneymarket fund launched by Alipay.

Introductions
Alibaba recently launched a new e-business production Yuebao, which aims at online financial fund, including corporate debts and government bonds. Significantly and surprisingly, without any marketing strategy, “Alibaba’s Yuebao has grown to 2.5 million users who have collectively deposited RMB 6.601 billion ($1.07 billion)” within only half a month.

Comments
Jack Ma（马云） :If the bank does not change, we change the bank!
如果银行不改变，我 们就改变银行！

Private opinions
个人看法
I will choose Yuebao, with the popularity of the Internet finance, it will force Banks to put down figure, improve the quality of service! No competition means that monopoly(垄断) , so if we support the development of Yuebao actively, stateowned(国有的) banks will have pressure, and they can improve the quality of service, have less chaos, less no-trade clause（霸 王条款）.

L/O/G/O
Thank You!


Comments
CCTV commentators NiuWenXin (钮文新): Impact on national economic security , should be banned . Some netizens （网友）: Believe that an earthquake will occur in China's finance industry since Yuebao makes a huge change within an expanding range.