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Yue bao VS Bank Yue bao -a money-market fund promote by Alipay余额宝阿里巴巴推出的为个人用户一项余额增值服务Bank- one kind of financial institution 银行一种金融机构 1 . the development of The internet financial 互联网金融的发展Development of Internet finance through the bank on the net, the third party payment, personal loans and other stage, and increasingly in the financing, the core matching, the supply and demand of traditional financial business 互联网金融的发展经过了网上银行，第三方支付，个人贷款等多阶段，并且越来越在融通资金，资金供需双方的匹配等方面深入传统金融业务的核心 Why Yue bao is so popular? 2 .People can check their income from investments easily by a look on phone, It makes financial management more simple for the middle class.人们可以通过简单的看一眼他们的手机便知道投资收益，对于中产阶级来说，投资变得十分简单便捷。 3 .“Theres no point in keeping money in the bank any more. This is just as reliable, more flexible and you can earn a lot more from it,” one investor says.一位投资者表示：“再也没什么理由把钱存银行了。（余额宝）这种方式同样可靠，又更灵活，收益也大多了。” Initially pitched by the Chinese ecommerce group as a platform for its users to manage excessfunds in their online payment accounts, YuE Bao is becoming something far more powerful: a straight -up substitute for traditional bank deposits.起初，阿里巴巴对余额宝的宣传定位是，帮助用户管理在线支付账务里富余资金的平台。如今，余额宝正在变成一款比这一定位强大得多的产品，即传统银行存款的直接替代品。 Is it the same to depositYuebao is only a way for people to invest , though it very convenient and high yield,but its different from deposit. Deposit is people put money in bank and get some interest as remuneration.High yield 高收益 Remuneration rmju:nren 酬劳 报酬 回报 Which one is better There are a thousand Hamlets in a thousand peoples eyes.Therefore,we can choose both of them to improve our financing ability.the former is high risk ,high return,the letter is common and low risk . Some comments 2 0 1 4 /2 /2 4 ,cctv commentator Niuwen xin: Where is the bank balance treasure impact? Its impact is Chinese social financing costs, the impact of national economic security. Balance treasure is lying on the banks vampire, is a typical financial parasites, it does not create value, but through the economic cost to reap profits from higher social. No doubt,my opinion is that on balance the treasure, also China to normal financial order. 2 0 1 4年2月2 4日，央视评论员钮文新说：余额宝冲击的哪里只是银行？它所冲击的是中国全社会的融资成本，冲击的是整个国家的经济安全。余额宝是趴在银行身上的“吸血鬼”，是典型的“金融寄生虫”，它并未创造价值，而是通过拉高全社会的经济成本从中渔利。毫无疑问，我的主张就是取缔余额宝，还中国以正常的金融秩序。 Yu E baos style is very flexible, convenient service, can redeem at any time for payment or cash deposit, with strong liquidity, easy to use features at the same time, but also allows customers to obtain higher returns, this is done to the customer as the center, the banks it is difficult to have similar products relative should be;余额宝的方式极为灵活，业务开通方便，可以随时赎回用于消费支付或提现，在具备活期存款流动性强，使用方便的特性的同时，却又可以让客户获得较高的收益，这点完全做到了以客户为中心，银行目前很难有类似的产品相对应； In my opinion,Yuebao is playing a asymmetrical warfare, if only immersed in their own world, to look at the new balance treasure out challenger with for many years the inertia of thinking, the bank may not get the answer correct and coping strategies.而在笔者看来，支付宝打的是一场非对称战争，如果只能沉浸在自己的世界里，用沿用多年的思维惯性来看待余额宝这个新冒出来的挑战者的话，银行未必会得出正确的答案和应对策略。
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