In fact, Yu’e Bao is not considered a fund innovation, but can be regarded as a short-term financial management innovation. It can be written from the perspective of a bank, briefly discussing how banks respond to online third-party payment platform financial products. In fact, banks also have T+0 financial products, but they generally have starting point restrictions, while Yu'E Bao has no restrictions, so it has a comparative advantage, which can be discussed from this perspective.

The idea can be written as follows: 1. The background and development of my country’s financial management market.

2. Development of bank financial management.

3. Development of emerging financial markets.

4. How do banks respond to new financial management tools?

You should be majoring in finance. If you can figure out these issues, it should not be a big problem to enter a bank.