余额宝

 

       余额宝这东西,本质上而言一定是协议存款,不然难以获得6%以上的高额利息。说存款搬家的人一定是思路不清楚的:存款一直在银行里,只不过经过马云的支付宝这么一折腾,一搅合,本来0.36%的活期存款成本一下子变成了6%,银行一定是不爽的。未来怎么样,也很难说,毕竟马云也是很有本事能通天的奇才。中国的银行能不能把余额宝扳倒,还是就这么接受资金成本高涨的事实,我们搬个板凳看大戏。

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