余额宝
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阿里巴巴(Alibaba)拟推出港版余额宝。作为阿里巴巴旗下颇受欢迎的中国货币市场基金,余额宝的收益率要高于传统账户的人民币存款利率。
Alibaba is looking to start a Hong Kong version of its enormously popular Chinese money market fund , which pays higher rates on renminbi deposits than are available on conventional accounts .
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新竞争始于2013年年中在线货币市场基金——余额宝的问世。
Competition began in mid-2013 with the launch of Yu'E Bao , an online money-market fund .
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当银行间的同业拆借变得更容易、银行开始不愿支付较高利率时,余额宝的收益率肯定会下降。
Returns will fall when banks can borrow from each other more easily and they start to sniff at paying higher rates .
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另外,和银行活期存款一样,余额宝用户能随时从余额宝账户提取资金。
Moreover , just like demand deposits at banks , users can withdraw their money from Yu ' E Bao whenever they want .
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仅仅九个月,余额宝的资金量就已相当于中国74.2万亿元人民币存款的0.5%。
In just nine months , Alibaba 's Yu'E Bao has already attracted the equivalent of roughly 0.5 % of the country 's 74.2 trillion yuan worth of deposits .
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尽管与中国银行体系的存款总额相比,余额宝吸纳的资金仍然很少,但资金从银行流向余额宝的速度正在不断加快。
While it remains tiny compared with total deposits in the Chinese banking system , this migration of cash from banks to the Alibaba platform is only speeding up .
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因此,余额宝的现金大部分最终仍流入银行,不过这些现金的回报率是按照市场价格确定的,而不是按照由政府控制的利率确定。
So the cash still largely ends up with banks , but rather than paying a government-controlled rate for it , they pay whatever is the going market price for money .