Will there be a problem with ant insurance? What is the impact of Ant Financial's removal of Internet deposit products?

I don't think so. Some insurance products in Alipay are put on the page for fishing. All kinds of publicity tempt you to click. If you are not careful, you will automatically consume. After that, the money will be deducted automatically every month. If you want to cancel, you have to call manual customer service to verify your identity information. Then why is there no identity verification before automatic consumption? That's disgusting!

According to the news, it is because several major banks have changed the early withdrawal of large deposit certificates to interest calculation by file and changed it to interest calculation by current period. The bank deposit wealth management products in Alipay have been removed from the shelves, because they are also large deposit certificates, and they cannot be withdrawn in advance in the future. It's probably necessary to amend the terms.

It's not the cheese at all. The lesson of p2p hasn't passed long. This is just less risky than p2p. Because of the participation of the Internet, the number of people who buy it is huge, and the subsequent bank failures will have a greater impact on society. At that time, it will not only be the depositors' own business.

We have a great capitalist whose assets are hundreds of billions, but he is still kind. He made specially designed p2p selection building blocks for fans and friends to help ordinary people at the bottom make a fortune. During the epidemic, he actively applied for a special loan of 4 billion yuan, caring for the country and the people. He also sponsored thousands of cost-effective fans to teach you how to use a better Qualcomm processor.

Neither Lei Junzi nor Remy is short of money. Lei Junzi's personal assets 1000 billion yuan, ranking ninth on the rich list ... Remy's account is also full of cash flow. How about tens of billions of dollars in cash for small loans? Master Lei said that you don't need an engine to build a car, and you don't need a chip to make a mobile phone.

It is also said that foreign pork is cheap and fragrant, and that he has high research and development efficiency and black technology every year. As a charity, Lei ranks ninth on the list of billionaires, which is the only time in history. By the way, he also went to Singapore to do charity, immigrated his wife and daughter, set up a family charity foundation and transferred tens of billions of assets. What a good conscience!

The direct contradiction between the value-added demand of idle funds of the broad masses of the people and the capital demand of the broad masses of business owners does not match well. To put it bluntly, it is the problem that traditional commercial banks rely on the profit model of lying spreads. This is a systematic and institutional problem, which is really difficult to solve.

The president only needs to be responsible for the assessment, and it doesn't matter whether he earns more or less. At the beginning of reform and opening up, it was too open and there were many bad debts. Why do you have to pay back the money you borrowed? It is difficult for enterprises with tight demand to get money. If venture capital does not exist, banks can make money by monopolizing the interest difference. Anyway, the bank is also a central enterprise, and the meat is rotten in the pot. Under the system that financial industry is too open to private capital, this fundamental contradiction is almost unsolvable.

Is the deposit insurance for depositors under 500,000 paid in full? The so-called bankruptcy liquidation only affects the deposits of enterprises and institutions that have loan relations with banks, and has nothing to do with ordinary depositors. Every bank is at risk of bankruptcy. If you are always worried about such a small probability event, you might as well put the money in a jar and bury it in your own home.

The problem is that the economy developed rapidly at that time, and some bad debts were tolerable. Now, how can the economy develop so fast? Banks can go bankrupt, not that central enterprises are great. If large enterprises want to say that small enterprises are eliminated, it is normal for small central enterprises to be eliminated because they cannot keep up with the competition of the times. This deposit insurance supervision feels a bit like subprime mortgage, because the number of failures of small banks with poor management has greatly affected the insurance industry, which is really a bit of systemic risk.

The main reason is that internet banks have made capital entrance, but they have not made capital export, that is, whether small business loans have changed from local to national. Small banks absorb deposits from all over the country, and as a result, mortgages are still a few small enterprises in small places.

You can use the first-level accounts of the four major banks in your hand to bind the second-level accounts of small and medium-sized banks opened online, and then put money into the second-level accounts to buy these deposit products. There are two ways to make money, one is quick payment, which is worrying. There is a limit to quick payment.

There is also a formal bank transfer. It is inaccurate to say that there is a daily limit of 1 10,000 yuan for bank transfer. Class I accounts have restrictions on unbound accounts, and there is no restriction on transferring money to bound cards. Also, our transfer should generally be like this, from the account in ICBC's own name to the account in Yumin Bank's own name, which is the formal operation.