Wechat Payment New Function "Zero Money Tong" In The Future Can Challenge The Balance Of Treasure Status?

According to the world's clothing and shoe net, WeChat has recently opened new functions.

"Test.

Tencent is conducting a white list test and recommends zero money to some customers, which can be paid and enjoyed at any time.

The industry believes that the money exchange will soon be launched, and will continue to reduce the balance of the treasure in the near future to form a competition.

Direct challenge Ali balance treasure

It is reported that "zero money Tong" is in the testing stage, and some users of "Tencent financial communication" have received limited experience invitation.

According to the WeChat notice received by some users, WeChat can pay for the pfer of money, send a red envelope, return credit card and scan code.

At the same time, small money can also earn revenue, and it will be 4.135% in the past seven years.

Users will be notified after successful upgrade, indicating that "your money management function has been successfully upgraded to zero money Tong".

This is considered by the outside world directly facing Alipay's financial products, can challenge Alipay in?

Hegemony?

Guo Tianyong, a professor at the school of finance, Central University of Finance and Economics, believes that not only Tencent and Alibaba are doing similar businesses, but also many "baby" financial products in the bank. In this competition, the Red Sea market will gain great market appeal. It will be difficult to achieve such a large scale and share like the balance treasure.

Guo Tianyong said that the advantage of Tencent's zero money pass is relying on WeChat, which has a large user base, which may cause some diversion to the users of the balance treasure. It also depends on whether users' habits are willing to migrate.

However, the industry also has the view that with the increase of application scenarios, WeChat payment is also developing.

Tencent at this time released zero money Tong, if the promotion means in place, for example, the seven day higher interest rate, may attract a group of users to change money.

Tighter regulation, experts say it will face a quota.

Tencent and Alibaba have been competing in the field of payment for a long time.

In 2011, Ali split Alipay, and according to the latest data from the foreign media, the valuation has reached US $75 billion, or about 408 billion yuan.

At the beginning of the birth, the 7 - day income of the balance treasure was over 4%, with the balance treasure growing.

According to the announcement of Celestica fund, as of June 30, 2017, the size of the balance fund reached 1 trillion and 430 billion yuan, which has become the largest Monetary Fund in the world.

Regulators are tightening the regulation of Monetary Fund.

In September 1st, the SFC officially promulgated the "Regulations on the liquidity risk management of publicly offered open securities investment funds", which is not only strict in supervision, but also has higher requirements for the risk reserve of Monetary Fund.

With the tighter regulation, the balance treasure has reduced the maximum amount of personal balance treasure from 1 million to 100 thousand.

Then, will the Tencent set the same quota?

Tencent has launched Cai Fu Tong since 2005. Nowadays, CAITONG payment is the second largest third party payment platform after Alipay. The first product of Tencent's Micro public bank is "micro loan". As of May 2017, the total amount of loans issued was 360 billion yuan.

Guo Tianyong believes that the balance of Tencent and the balance of Ali are facing the same threshold, there will be an upper limit in the future, the limit will not be too high.

Because both are of the same nature, they are essentially monetary funds.

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