Yu 'ebao is not only an "artifact" of national financial management, but also constantly enters various consumption scenarios, bringing small and beautiful changes to users. Starting from 20 14, Yu' ebao has successively launched projects such as buying a mobile phone with zero yuan and buying a car with Yu' ebao, so that Yu' ebao users can enjoy special preferential rights and interests, and also see Yu' ebao's imagination in the consumption field.
By March of 20 15, Yu' ebao was the first to buy a house, which was a breakthrough in the consumption scene of Yu' ebao and the first time that the real estate industry introduced internet financial tools. At that time, Fangxing Real Estate and Taobao jointly launched the purchase project of Yu 'ebao, and released the source of 1 132 suite, supporting Yu 'ebao to purchase houses in ten major cities in China, such as Beijing, Shanghai and Nanjing. After the buyers pay the down payment through Taobao, the down payment will be frozen in Yu 'ebao.
Before the formal delivery of the house or 3 months after the down payment, the balance treasure income generated by the down payment still belongs to the buyer. This means that the goods are delivered first and then paid, and the benefits can be obtained by paying first.
It is precisely because of the emergence of Yu 'ebao that the channels for public financial management have been expanded. Under the influence of Yu 'ebao's powerful fund aggregation effect, major banks have launched similar Yu 'ebao products to meet the challenges, such as Ping An Ying of Ping An Bank, Ruyibao of Minsheng Bank, salary pots of CITIC Bank and Xincheng Fund, Xingyebao of Industrial Bank and cashier's wallet.
These banks are the monetary funds cooperated by Otawa Bank of Baby Corps and fund companies. However, the emergence of the "Baby" Legion did not affect the status of Yu 'ebao as the largest monetary fund in China. According to the 20 15 annual report issued by Tian Hong fund at the end of March:
The net profit of Yu 'ebao in 20 15 years is 23 1.3 1 100 million yuan. This figure is about 24 billion yuan in 20 14 year and about 179 billion yuan in 20 13 year. By the end of 20 15, 12 and 3 1 period, the net return rate of Yu 'ebao's share was 3.6686%, and the benchmark return rate of the same period was 1.37 1%.
Among the top five funds in terms of income, Tian Hong Yu 'ebao ranks first, followed by Guangfa Jufeng, China Post Core Growth, Yifangda Ruihui with flexible allocation and rich balance. It is worth mentioning that although the annual profits of the last four funds all exceeded 7 billion yuan, none of them exceeded10 billion yuan, so the status of Yu 'ebao is far from being shaken.