2013年夏天横空出世的余额宝,在经历了一年的辉煌后似乎已达强弩之末:收益率下降到4%左右,被诸多银行理财产品反超;2014年第二季度的规模增长不及第一季度的零头;流动性与久期指标都开始下滑,连远在伦敦的《经济学人》杂志都惊呼“余额宝危险了”;美国网络支付翘楚PayPal关闭货币市场基金的先例,更是在多种场合被人津津乐道。一度刀光剑影、难分胜负的“余额宝VS银行业”大战,此时,天平似乎正开始悄然向银行一方倾斜。 After experiencing a year of splendor, Yu Bopo, who turned out in the summer of 2013, seems to have reached a spent force: the yield dropped to around 4%, surpassing the wealth management products of many banks; the growth in the second quarter of 2014 was less than that of the first quarter ; Liquidity and duration indicators are beginning to decline, as far as the London’s “Economist” magazine exclaimed “balance treasure dangerous”; the US network pay-as-you-go precedent for the closure of the money market fund PayPal more In many occasions been talked about. Once the Swordsmanship, hardly any winner “balance treasure VS banking ” war, this time, the balance seems to be quietly beginning to tilt to the bank side.