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探秘余额宝 投资门槛低： Initially pitched by the Chinese ecommerce group as a platform for its users to manage excess funds in their online payment accounts, YuE Bao is becoming something far more powerful: a straight-up substitute for traditional bank deposits. 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。 Richer customers have already started shifting their funds into banks wealth management products, which offer much better returns than regulated deposit accounts but have high minimum investment thresholds. With YuE Bao, users can invest as much or as little as they want. 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。 趴在银行身上的吸血鬼?余额宝 收益率高： Just like demand deposits at banks, users can withdraw their money from YuE Bao whenever they want. But while demand deposits earn an annualised rate of 0.35 per cent in banksa level capped by the government to ensure that banks have plump profit marginsYuE Bao rates have averaged about 5 per cent over the past month. | 
