Tips for Phoenix Wallet: Investment is risky, so be cautious when entering the market.
What is a change pass?
According to Tencent's official introduction, change pass is based on the optimization and upgrading of change financing, and it can be paid directly with change pass in the future. From the official introduction, Bian Xiao speculated that the future change card might be endowed with four basic functions, namely, financial management, transfer-in/transfer-out and payment.
Let's talk about financial management first. Children's shoes that have used WeChat know that WeChat change itself has its own financial management function. As long as you buy one of the cargo bases with small change, you can generate income. At present, there are four main cargo bases for small change financing docking: Huitianfu, Yifangda, Nanfang and Huaxia Fund. Because it is a class A cargo base, the seven-day annualized income is not very high. For example, the annualized income of Huaxia Fund Fufubao in recent seven days is only 4. 12%.
Let's talk about transfer in/out first. At present, change has two functions: recharge and cash withdrawal, which can only be realized by binding bank cards. The withdrawal rate is 0. 1%, which is reasonable. Embarrassed, however, the money transferred from change management to my account arrived immediately, but it was "T+ 1" when it was transferred to my personal bank account, and the experience was much worse than that of Yu 'ebao "T+0". Moreover, there is no handling fee for transferring from Yu 'ebao to bank card.
Finally, pay. Although the payment scenario of WeChat is very strong, at present, we can only choose change or bank card payment through QR code. Moreover, financial management and change itself do not have the payment function. This is far from the diversified demand that Alipay can choose balance treasure, account balance, online merchant bank, bank card, flower bud and flower bud staging at the same time.
Who are you looking for a change pass?
After talking about the function, let's talk about the question of "who cares who". In the eyes of ordinary users, both WeChat and Alipay are industry leaders and have always been enemies. How can you see it?
Bian Xiao still clearly remembers that during the Spring Festival of 20 13, when people around me frantically used WeChat to send red envelopes, I was just a melon eater. It is precisely because of this little red envelope that Ma Yun's father is worried and unwilling to spend the holidays. Afterwards, Father Ma also quipped: "Pearl Harbor Sneak Attack". Later, I should remember Alipay's campus diary. All kinds of large-scale photos make users want to stop. Father Ma has been doing public relations for a long time.
On the surface, the two Malays have been entangled in "How can it be bright when it is born?" But if you go deeper, you will find that this is not the case at all. Phoenix Wallet analysts believe that "the core competitiveness of WeChat payment is more biased towards channel business. Alipay's core competitiveness is similar to that of traditional banks, and it is an intermediary business. It is normal for channel traffic to be greater than intermediate traffic, while the latter is more dependent on credit, which means that Alipay is more likely to carry out business such as wealth management, credit and to B. "
In fact, although Yu 'ebao has undergone several major adjustments in recent years, it has not affected its position as the world's largest cargo base. Bian Xiao guessed that the current scale of Licaitong would not affect Yu 'ebao in the short term. However, those third-party payment institutions that focus on acquiring business should pay attention.
When change comes, how to use it?
Bian Xiao probably analyzed several functions of changing the ball in front. If the change is connected with the functions of payment and timely collection, it is believed that it will further increase the user's stickiness. As a major financial function, to be honest, Bian Xiao is not optimistic.
I suggest you use it as a payment tool, and you can reserve a small sum of money for emergencies. If you focus on financial management, you might as well go directly to official website or your mobile phone. You can choose any financial products such as insurance, bank deposits, and brokerage asset management. But to be honest, the benefits of these wealth management products can only be said to be acceptable.
If you particularly like cargo bases, you can download an APP from Tian Tian Fund or other professional fund companies on your mobile phone or PC, and pick a cargo base B and a cargo base at will. When Bian Xiao visited Tian Tian Fund recently, he found that the income of goods-based funds generally rose. For example, the annualized income of ABC Li Tiantian Currency B 7 has reached 5.8%, and the annualized income of Jiahe Currency B 7 is also considerable, reaching 5.57%.
All right. This concludes today's financial column. If you don't manage money, money will ignore you. In fact, in addition to regular money funds and banks, online loan wealth management products can also be configured. Phoenix wallet is safe and stable, which is worthy of your trust. Tips: Investment is risky, so be cautious when entering the market! See you next time.