Why is the treasure-digging bookkeeping app gone?

The reason for digging money off the assembly line may be the result of the state's rectification of Internet deposit products and deposit series apps. Digging for money came out in June 2009. It is an early personal account management platform in China, which is dedicated to helping customers complete the optimization of personal asset management and the cloud service of personal financial statement supervision. The services of the platform include mobile phones and Web, and the main products are apps such as "digging for money, accounting, investment and wealth management", "digging for money, credit card housekeeper" and "digging for treasure". The above is the relevant content of the reasons for digging money.

1. The so-called Internet deposit products refer to the deposit products launched by banks on the Internet platform, which have nothing to do with Yu 'ebao and funds. These products and services are provided by banks, and the platform provides product information display and purchase interface.

2. Take the deposit product "Xiangyun Bao 188 days" launched by a certain platform as an example. The product provider is Xinjiang Huihe Bank, with a deposit term of 188 days, an annualized interest rate of 4.50% at maturity and a discount prompt of "+3%"; The bank also has a product with a term of 5 years, interest payment cycle of 180 days and annualized interest rate of 4.42%.

3. The deposit interest rates of the two products are much higher than the benchmark interest rate of half-year fixed deposits announced by the central bank 1.3%. Among the Internet deposit products with other maturities, the current interest rate of 1 year is the highest 2.25%, the three-year interest rate is 4. 125%, and the five-year interest rate is 4.875%-all close to or reach the upper limit of the national self-regulatory pricing mechanism. Not only the interest rate is high, but also the purchase is convenient. Nearly half of the deposit products only have the initial deposit amount of 50 yuan, and all the term products support early withdrawal at any time, and the funds arrive on the same day; The purchase process only takes a few minutes. When the product expires, the funds will be automatically returned to the electronic account and can be withdrawn to the bound bank card.

4. In addition, each platform will also highlight the information of "deposit insurance protection within 500,000 yuan". The high interest rate, low threshold, convenient use and safety really sound attractive. Why is such a product targeted by supervision?

5. The domestic market-oriented interest rate level has been steadily declining since encouraging funds to deviate from reality and reduce financing costs. The new regulations on asset management and financial management issued by the regulatory authorities have also urged to break the "guarantee" and "just exchange", and the high-interest storage products in the traditional market are increasingly untenable.

6. Since the launch of Internet deposit products, some small and medium-sized banks have indeed absorbed a large amount of deposits. For example, according to the first financial report, the scale of customer deposits of Huatong Bank at the end of 2065.438+09 was about 65.438+043.6 billion yuan, and the scale of deposits soared to 7.077 billion yuan; In 20 18, Huarui Bank deposited 88313,000 yuan. At the end of 20 19, the balance of personal time savings deposits rose to more than 606 10 million yuan. Boy, it has increased several times or even dozens of times!

7. But the problem is stability. As mentioned above, when selling these products, all platforms will highlight the selling points of "guaranteed capital" and "guaranteed bottom payment". In this case, as long as it is within 500,000 yuan, depositors do not need to consider the platform risk, only to see which one has high income. In this way, depositors are less sticky to banks, and once they find that other banks have higher interest rates, they can theoretically withdraw money and leave at any time.