Financial "Hundred Earn 365 Days" On The Shelf To Challenge The Balance Of Treasure

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Xiaobian network to introduce to you is "100 earn 365 days" on the shelf to challenge the balance of treasure, more than eleven thousand years.

In October 30th, Baidu joint life Life Insurance launched a class of regular insurance and financial products "earn 365 days", with an expected annual yield of 6.5%, which is nearly 50% higher than that of the current Internet baby products of about 4.1%.

This is the second Internet insurance and financial product launched by Baidu financial center platform after "100 earn 180 days".

It is understood that "100 earn 365 days" life insurance linked life e wins A annuity insurance products, products for a period of 365 days, 1 years after the product is redeemed without charge, the minimum purchase amount of 1000 yuan, can be redeemed in advance, but it will cost the Commission.

Since October 30th, users can purchase on Baidu financial center platform, and Android mobile users can also buy through Baidu App.

Internet analyst Chen Zhigang pointed out: "100 earn 365 days" on-line, or will become a robust Internet financial investors in the long term good choice.

He believes that Baidu's financial products "big guy" cooperation mode is the guarantee of product quality and innovation speed.

The choice of excellent internet financial platform for cooperation has become a factor that many financial institutions have begun to consider in the process of product design and sales. This shows that Internet financial competition has begun to deepen, and the combination of Finance and Internet will become more closely. All financial products will have Internet appearance.

Regular financial management has become a new favorite for Internet users.

With the continuous easing of market liquidity, the downward trend of Internet financial products backed by IMF has become an inevitable trend.

According to previous media reports, the largest balance fund of the IMF has been hovering in the "4.1 era" over 100 days.

And the choice of the "100 earn 365 days" at this time is expected to yield 6.5% of the annual yield, 2 percentage points higher than the "treasure class" product, and 2.3 times the bank's one-year fixed deposit. With the investment of ten thousand yuan, the purchase of "one hundred earn 365 days" in one year can earn 250 yuan more than the purchase of the balance treasure, which is more than 350 yuan in the regular bank deposit.

This is undoubtedly a good choice for medium and long term investment and financial management users.

"One hundred earn 365 days" is a one-year financial product. After a full year, it can redeem the principal and interest in full, without paying the commission fee.

In order to further enhance the user experience, the "earned 365 days" also set up a 10 day "regret period". If the user wants to withdraw from the project within ten days after receiving the electronic policy, it can also redeem the funds in full.

10 days later, if users need urgent redemption, they need to pay 5% service charge.

Compared to other insurance products, the fee is reduced by half.

In addition to being higher than the expected revenue and convenient purchase and redemption experience of the "baby", the characteristics of the insurance and financial products of "100 earn 365" days will enable users to enjoy an insurance interest at the same time.

Annuity insurance is generally divided into two categories: definite time limit and no definite deadline.

Once the insured person dies, the insurance company pays the life insurance premium according to the personal account value, because the insurance product usually adopts the way of paying a certain amount according to the annual cycle, so it is called annuity insurance.

Annuity insurance usually means that when people are young, they can save idle funds and pay premiums. When they get old, they can receive a fixed amount of insurance on time, so that they can get financial security in their old age.

Because it is mostly used for the old age pension insurance, the age of the insured person will often be limited, and generally only 50 years old can receive insurance money.

"Earn 365 days" allows users between the ages of 18 and 70 to buy them, so that users can benefit the most.

In October 28th, Baidu's financial center platform was launched on the 1st Anniversary line, from Baidu's B, group buying finance, 100 rounds of play, 100 rounds of 100 index funds to 100 earnings, 100 profit making profits, 100 profit making 180 days, Baidu financial center platform has launched a number of Internet Financial star products, which meets diversified investment needs of users in the short term, medium to long term, robust class and high-yield category.

The launch of "100 earn 365 days" will undoubtedly add another force to Baidu financial center.

Life insurance related responsible person said, "Baidu financial center platform advantage has become an important reason to attract life insurance to join.

For financial institutions, Baidu has strong technology and traffic guarantee.

At the same time, Baidu financial center created a variety of star financial products in just a year, and formed a cluster effect, attracting a large number of loyal fans and users.

These are more realistic for us. "

Guan Qingyou, vice president of Minsheng Securities Research Institute, analyzed by the media that Baidu financial actively promoted "deep integration" with financial institutions, aiming at creating a platform for "cross marketing" of resources.

Baidu has the advantages of the Internet platform -- big data, web search, customer experience, platform traffic and talent technology, and Baidu's "cross marketing" for users can rapidly expand market opportunities for organizations.

For example, financial products.

Financial services development, user experience improvement, and even brand communication can be improved.

Through the practice of one year, the cross marketing strategy of Baidu's finance has achieved very good results and will attract more financial institutions to cooperate with them in the future.

At present,

Banks, construction bank, agricultural bank, Bank of China and China Merchants Bank are also actively carrying out deep cooperation with Baidu, and have been linked up in the sales of various products in Baidu financial center to provide service guarantee for users.

Experts believe that if Internet banking is to maintain its vitality, it needs to be determined to innovate and win customers with better services. The Baidu financial center has played a good example.