Research On Value-added Services Of Yu EBao

With the rise of Internet-based financial concepts, Yu EBao become the Internet industry and the financial industry hot topic, as of the end of2014the balance of the scale has reached540billion Yuan, and offered total profit of7.5billion Yuan for80million users. Yu EBao has getting more support of users that in the financial long tail. Although the IMF has been more than a decade of development in our country, but after the development has been relatively slow, since the Yu EBao was born, many Internet companies have to follow a similar product based IMF, which greatly promoted the development process Monetary Fund.Firstly, Yu EBao’s operating mechanism was analyzed. This paper studies the composition and the capital flows and analyses of the interdependencies between the Yu EBao and Alipay, and other similar financial markets product comparison study analyzed the differences and similarities between them.This paper focuses on the value-added services of Yu EBao. The long tail user is set to be target customers of Yu EBao. It using short-term investment strategies, the use of high-yield bank safety deposit agreement as a major investment target for the user to achieve a value-added service funds. In the past one year from Yu EBao’s born, there have been more obvious yield cyclical. At the end of June and December, a more significant rise in yields, but a more stable yields in the long run. The advantages of Yu Ebao’s value-added services provided to users are the trading platform and capital’s security. Both of them are the core competitiveness for Yu EBao distinguishes other financial products. Finally, the paper analyzed trend analysis of the value-added services of Yu Ebao. Considering the factors from both internal and external of Yu Ebao, the yields will gradually return to rational range, managers will also strengthen investment management and the user should take prudent investment strategy.