考研英语阅读选读探秘余额宝
<p> 探秘余额宝</p><p> 投资门槛低：</p><p> <span word="Initially">Initially</span> <span word="pitched">pitched</span> <span word="by">by</span> <span word="the">the</span> <span word="Chinese">Chinese</span> <span word="ecommerce">ecommerce</span> <span word="group">group</span> <span word="as">as</span> <span word="a">a</span> <span word="platform">platform</span> <span word="for">for</span> <span word="its">its</span> <span word="users">users</span> <span word="to">to</span> <span word="manage">manage</span> <span word="excess">excess</span> <span word="funds">funds</span> <span word="in">in</span> <span word="their">their</span> <span word="online">online</span> <span word="payment">payment</span> <span word="accounts">accounts</span>, <span word="YuE">YuE</span> <span word="Bao">Bao</span> <span word="is">is</span> <span word="becoming">becoming</span> <span word="something">something</span> <span word="far">far</span> <span word="more">more</span> <span word="powerful">powerful</span>: <span word="a">a</span> <span word="straight">straight</span>-<span word="up">up</span> <span word="substitute">substitute</span> <span word="for">for</span> <span word="traditional">traditional</span> <span word="bank">bank</span> <span word="deposits">deposits</span>.</p><p> 起初，阿里巴巴对余额宝的宣传定位是，帮助用户管理在线支付账务里富余资金的平台。如今，余额宝正在变成一款比这一定位强大得多的产品，即传统银行存款的直接替代品。</p><p> <span word="Richer">Richer</span> <span word="customers">customers</span> <span word="have">have</span> <span word="already">already</span> <span word="started">started</span> <span word="shifting">shifting</span> <span word="their">their</span> <span word="funds">funds</span> <span word="into">into</span> <span word="banks">banks</span> <span word="wealth">wealth</span> <span word="management">management</span> <span word="products">products</span>, <span word="which">which</span> <span word="offer">offer</span> <span word="much">much</span> <span word="better">better</span> <span word="returns">returns</span> <span word="than">than</span> <span word="regulated">regulated</span> <span word="deposit">deposit</span> <span word="accounts">accounts</span> <span word="but">but</span> <span word="have">have</span> <span word="high">high</span> <span word="minimum">minimum</span> <span word="investment">investment</span> <span word="thresholds">thresholds</span>. <span word="With">With</span> <span word="YuE">YuE</span> <span word="Bao">Bao</span>, <span word="users">users</span> <span word="can">can</span> <span word="invest">invest</span> <span word="as">as</span> <span word="much">much</span> <span word="or">or</span> <span word="as">as</span> <span word="little">little</span> <span word="as">as</span> <span word="they">they</span> <span word="want">want</span>.</p><p> 手头更宽裕的顾客已开始将资金转移至银行的理财产品上，这类产品比利率受到管制的银行存款回报率更高，不过投资门槛很高。而余额宝用户的投资数额没有上限也没有下限。</p><p> 趴在银行身上的吸血鬼?余额宝</p><p> 收益率高：</p><p> <span word="Just">Just</span> <span word="like">like</span> <span word="demand">demand</span> <span word="deposits">deposits</span> <span word="at">at</span> <span word="banks">banks</span>, <span word="users">users</span> <span word="can">can</span> <span word="withdraw">withdraw</span> <span word="their">their</span> <span word="money">money</span> <span word="from">from</span> <span word="YuE">YuE</span> <span word="Bao">Bao</span> <span word="whenever">whenever</span> <span word="they">they</span> <span word="want">want</span>. <span word="But">But</span> <span word="while">while</span> <span word="demand">demand</span> <span word="deposits">deposits</span> <span word="earn">earn</span> <span word="an">an</span> <span word="annualised">annualised</span> <span word="rate">rate</span> <span word="of">of</span> 0.35 <span word="per">per</span> <span word="cent">cent</span> <span word="in">in</span> <span word="banks">banks</span><span word="a">a</span> <span word="level">level</span> <span word="capped">capped</span> <span word="by">by</span> <span word="the">the</span> <span word="government">government</span> <span word="to">to</span> <span word="ensure">ensure</span> <span word="that">that</span> <span word="banks">banks</span> <span word="have">have</span> <span word="plump">plump</span> <span word="profit">profit</span> <span word="margins">margins</span><span word="YuE">YuE</span> <span word="Bao">Bao</span> <span word="rates">rates</span> <span word="have">have</span> <span word="averaged">averaged</span> <span word="about">about</span> 5 <span word="per">per</span> <span word="cent">cent</span> <span word="over">over</span> <span word="the">the</span> <span word="past">past</span> <span word="month">month</span>.</p>
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