Source: Hexun
Original title: wechat online 'bank savings' three-year interest rate of 3.85%
"Eh, you can also buy bank deposits directly on wechat!" Yesterday, some users opened their wechat wallet and impressively found a new function online - bank savings. After entering, they can directly buy ICBC's fixed deposit products, which is more convenient to operate.
For the payment field, Tencent has never concealed its' ambition '. Although it is expected that the new action will be quietly launched this time, it is quite unexpected for the market not to choose the direct "son" Weizhong bank. It is unknown whether it will cooperate with more banks in the future.
Wechat online banking savings service
Buying with wechat has become a common action in many people's lives, but buying bank deposits directly is still a new thing. Recently, wechat launched a new service bank savings on the payment wallet page.
Click 'bank savings' and immediately jump to the deposit product of ICBC. Check the "agreement on fixed deposit of ICBC" to open the deposit account of ICBC for free, and wechat users can directly choose to deposit. According to the page, the seven-day interest rate is 1.10%, the three-month interest rate is 1.54%, the six-month interest rate is 1.62%, the one-year interest rate is 2.10%, the two-year interest rate is 2.94%, and the three-year interest rate is 3.85%. The page says' it is available at any time, guaranteed principal and interest, and free access'.
It is worth mentioning that the bank savings business on wechat does not need to go to the bank counter or jump to the industrial and Commercial Bank of China app. It can be operated online directly through the page entered by wechat, which is more flexible and convenient. However, this function is only visible to some users, and it is estimated that it is still under test.
So, does the new bank savings function of wechat have an advantage over the deposit interest rate? According to our understanding, the benchmark interest rate of China's time deposits is: 1.10% for three months, 1.30% for half a year, 1.50% for one year, 2.10% for two years and 2.75% for three years.
According to the monitoring data of rong360 big data research institute, in September 2019, the time deposit interest rate of each term continued to decline, of which the average interest rate of three-year term was 3.335%. The interest rates of small and medium-sized banks and local banks are relatively high, and the three-year fixed interest rate can reach about 3.5%.
Weizhong bank is out of favor?
For a long time, wechat's actions in the field of electronic payment have not been interrupted, such as the 'wechat payment points' launched at the beginning of the year. However, this time, wechat did not choose the wechat Bank held by Tencent, but cooperated with ICBC, which was quite unexpected.
According to Tianyan survey, Shenzhen Qianhai Weizhong Bank Co., Ltd. was founded on December 16, 2014 by Tencent, baiyeyuan and Liye. Among them, Tencent holds 30% of the shares and is the largest shareholder.
Although the opening time is not long and the performance is far from that of traditional banks, Weizhong bank is the undisputed leader among a number of private banks. At present, the interim performance of 17 private banks this year has not been announced yet. However, according to the disclosed 2018 data, the net profit of Weizhong bank in 2018 was 2.474 billion yuan, while the profit of the other 16 private banks was only 1.978 billion yuan, which was less than that of Weizhong bank.
In addition, the 'bank savings' function of wechat is currently only on-line with ICBC. It is unknown whether it will cooperate with Weizhong bank in the future, or more other banks, or there are more trends in savings.
Previously, a number of Internet traffic platforms have entered the Bureau
However, it is not new for Internet traffic giants to guide bank savings products.
At the end of September, Alipay has just launched several fixed products, which are from Guangdong Huaxing bank. Reporters recently landed in Alipay - wealth - financial management to see that there are still 4 Guangdong Huaxing bank's fixed products, of which two are marked 'tomorrow's sale'. Deposit for 366 days at an interest rate of 2.25%.
In addition, JD finance, lufax and other mutual fund apps have already launched similar services, and most products come from private banks.