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Li Mingyang only joined Alibaba’s investment platform one month ago but he has already transferred almost all the cash in his bank account – nearly Rmb200,000 ($32,000) – to the online fund. 李明洋（音译）一个月前刚刚开始投资阿里巴巴(Alibaba)的投资平台——余额宝，而如今他已把自己银行户头里几乎所有资金——近20万元人民币（合3.2万美元）——都转移到这家在线基金了。 He is far from alone. More than 30m people in China have signed up to Yu’E Bao, or “Leftover Treasure”, only six months since its launch. 他的情况远非个例。自上线仅6个月以来，余额宝在中国已有了逾3000万注册用户。 Initially pitched by the Chinese ecommerce group as a platform for its users to manage excess funds in their online payment accounts, Yu’E 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。 | 
