在这一过程中,余额宝可能会颠覆中国受到国家保护的金融业行业的规则,逐步破坏银行业盈利模式,并将权力转移至存款人一方,这在今年年初的时候是人们几乎无法想象的。
Other Chinese tech companies are getting in on the act. Tencent, developer of the hugely popular messaging app WeChat, is said to be designing a fund platform similar to Yu’E Bao. Baidu, the search engine company, began marketing investment products in October.
其他中国科技企业也在采取行动。广受欢迎的消息应用微信(WeChat)的开发者腾讯(Tencent),据说也在设计一个与余额宝类似的基金平台。搜索引擎公司百度(Baidu)则已于10月份开始推广其理财产品。
“Internet companies, with their ability to instantly reach millions of consumers, have already started to subtly change the competitive dynamic in finance,” says Ernan Cui, an analyst with GK Dragonomics, a Beijing-based research firm.
总部位于北京的研究机构龙洲经讯(GK Dragonomics)的分析师Ernan Cui表示:“互联网企业能够即时联系到成百万名消费者,这已开始微妙地改变金融领域的竞争态势。”
Some see it in even starker terms. “This could be a game-changer. It is the biggest threat to the low- and middle-income customer base of banks,” says an analyst with an international bank who asked to remain anonymous as he was not authorised to speak to media.
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