1 background
Following the hot Yu 'ebao, the Internet finance industry is about to usher in a new force-Baidu Baifa, plus Tencent, which has been gearing up with the help of WeChat. What is waiting for the traditional financial industry seems to be an unprecedented impact. Subversion has become one of the most closely related keywords to Internet finance. However, in the view of many experts in the financial field, the substantial impact of Internet companies represented by Baidu on the financial industry is the innovation of ideas, technologies and channels, which will promote the self-upgrading of traditional financial enterprises and bring more Internet dividends to enterprises themselves and investors.
On the basis of integrating Baidu's existing resources, Baidu Financial Center cooperates with financial institutions on an equal footing to reshape all aspects of traditional financial product design, packaging, sales and service, and provide users with innovative financial products and [1] services.
2 Specific introduction
Baifa is not a product, but a portfolio financial plan. The "Baifa" plan is an innovation of the Internet financial model and a combined financial plan.
Three advantages
"Baifa" is fully guaranteed by China Investment Guarantee Co., Ltd., and the minimum investment threshold is only 1 yuan; After-sales support for quick redemption and instant cash withdrawal facilitates the inflow and outflow of users' funds, and the highest annualized rate of return is as high as 8%. [2]
Four characteristics
1, minimum investment threshold 1 yuan;
2. Limited distribution;
3. After-sales support for quick redemption and immediate withdrawal;
4. Baidu Financial Center cooperates with Huaxia Fund;
5. Guaranteed by China Investment Guarantee Corporation.
5 Importance
"Baifa" is an innovative move combining information network and financial industry, which is conducive to promoting the reform and innovation of traditional financial industry. [3] It is conducive to providing people with diversified investment and financial management channels, facilitating ordinary people to invest, making full use of social idle funds and improving the efficiency of the use of social funds.
6 frequently asked questions
How to get the money out?
According to the fund industry practice, the successful principal will be paid before 15 on the working day, and will be displayed on the second working day; After 15, the successful principal payment will be displayed on the third working day. [4]
After that, you can "collect money" Asset is 0, and collection cannot be made.
For example, your investment transactions from June 25th, 20 13 to June 28th, 20 15: 00 will show the successful investment amount in the assets on the evening of 29th. Then you can start collecting.
"Collection" is the process of redeeming the E-class of Huaxia Cash Zengli Securities Investment Fund you purchased and transferring the cash to your collection bank card.
There are two ways to collect money according to the estimated arrival time:
1. Select the expected 24-hour receipt. Please pay attention to the receipt for about 24 hours.
2. Select the next working day receiving account. Please pay attention to the receipt after the next working day. Working days do not include national holidays and weekends, and the receiving time will be postponed.
Paid. Why haven't the asset figures changed?
The principal successfully paid before working day 15 will be displayed after 20:00 on the next working day;
After 15, the successful payment of principal will be displayed within two working days.
Example: successful transactions paid before 20 131October 28th 15:00 will be displayed in the assets after 20:001October 29th.
Successful transactions paid after 20 13 years 105: 00 on October 28th will be displayed in assets after10 years120:00 on October 30th.