After Yu e Bao, will the next disruptive Internet financial innovation product be Flying Loan CCID?

Answer] D Answer Analysis] Test Question Analysis: In this question material, "the Internet finance industry represented by Yue Bao and Yifubao has attracted a large number of citizens to participate because of its characteristics of low investment threshold, high convenience and high returns, and many commercial banks have also launched various wealth management products", which fully explains that the development of Internet finance has broadened the channels for residents' investment and financial management, which is not only conducive to enhancing residents' financial awareness, but also conducive to increasing residents' property income; It also shows that the development of Internet finance is conducive to commercial banks actively participating in market competition through innovative business methods. It can be seen that two items are in line with the theme and can be selected; The materials of this question do not involve the problems of residents' investment and financial management risks, so they do not meet the meaning of the topic and cannot be selected; Deposit absorption is still the basic business of commodity banks, so the expression is unscientific, so it cannot be selected.

Therefore, the answer is item d.

Below, is the goal that mankind has not yet achieved and is looking forward to and striving for the future:

The most expensive, the best, the most top-of-the-line piano?

There must be absolute, objective, and scientific standards, and it is required to be able to play in space.

The simplest and clearest assessment criteria:

The manufacturing is able to make the touch of each key and the comprehensive mechanical parameters of striking the strings under microgravity conditions can be independently electrically adjusted, computer set, and manually tuned without hand tools

It can produce pitch shifts, prolongations, trills, and portamentos that produce mechanical movements, and has the complete dynamic characteristics of a traditional piano

Manufacture mechanical pianos that ensure an accurate, systematic, and realistic tactile feel in a space environment.

The mechanical characteristics of the touch keys of traditional mechanical pianos are not ideal and perfect!! Traditional pianos are sluggish and sticky.

Manufacture pianos that can work normally under bumpy, shock and vibration conditions, manufacture force feedback keyboards, manufacture optical fiber transmission pianos, electric drive pianos, real-time contact with force feedback keyboards in outer space, striking string mechanisms and resonance soundboards in aircraft, ships, automobiles, aircraft carriers, submarines, and large systems for the separation of space and earth, and the integration of space and earth.

Playing for international conferences, for the opera house, for the ** club, for the Olympic Games.

The best piano games to play are:

It's astronauts, astronauts, on the space station, playing the force feedback keyboard, the mechanical movement of the strings on the ground, and listening to the beauty of the soundboard, and the piano performance floating in the air, the astronauts out of the capsule in space, this is the force feedback keyboard and piano keyboard that can work normally in a vacuum.

You're on a plane.

**、Watch and observe the dynamic movement of the strings being struck, and share the beautiful chords of the soundboard.

You're in a submarine, playing a piano concerto with four hands with an astronaut through a force feedback mechanism.

Whether the performance of the piano is the most "good" and whether the quality is too good must have strict assessment standards, and one of the assessment methods is to be able to play normally on a bumpy car.

A further assessment is that in a weightless environment, not only can it be played normally, but also the touch of the keyboard should be completely consistent with the conditions under which the piano is played on a stationary ground.

The goal of human beings, the vision of pursuit, is to be able to play the traditional piano with mechanical transmission in the weightless environment and vacuum environment of outer space.

I also want to know and wait for everyone's answers, Recently, I have heard friends around me mention flying loans, and I don't know that friends who have used it have not asked for guidance.

Sofa first. Let's hear about it.

No, I've never heard of it.

It belongs to some current financial management without threshold, such as Yu Yu Bao, Pan Rong Bao, and Pan Asia Day Jinbao, and the Pan Rong Bao I do has an annualized rate of about 13%, which is not bad

Yue Bao is very good, it does not lose money, earns less, and there is no risk. Pretty good.

The so-called subversion depends on the extent to which it is defined, at present, it can indeed promote the reform of the traditional financial industry, due to the strength of the bank itself, as long as it tries to keep up with the changes, there should be no danger in taking measures, and part of it is the policy reason, the country has not completely liberalized the banking business, so it is still risky and difficult to subvert the traditional financial model through Internet finance. However, it is bound to promote the development of the financial industry in a healthier direction.

The "subversion" brought by the Internet to traditional finance is mainly reflected in the following aspects:

1. Transcend boundaries.

The boundaries mentioned here include not only geographical boundaries, but also population boundaries, as well as temporal boundaries. Traditional banks are often only able to serve the surrounding areas of their branches, while Internet finance is directly available to everyone. Traditional banks pay more attention to large customers, large enterprises, and wealthy people, while Internet finance emphasizes inclusiveness, and the service threshold is directly lowered to 100 yuan.

While traditional bank branches work from 9 to 5, Internet finance can submit business requests at any time. In a word, Internet finance is transcending the boundaries of traditional financial services, and its ultimate goal is that anyone, anywhere, and any networked device can enjoy the most timely and high-quality financial services.

2. Reconstruction rules.

Every time the Internet enters an industry, it will subvert an industry, why? Because Internet companies do not play their cards according to common sense, they dare and are good at rebuilding rules and ecology. This is the kind of cross-border robbery and destructive innovation that everyone often hears about, and the logic behind it is simple:

Reshape the industrial chain through Internet innovation, and then rebuild the rules of the game that are beneficial to you, forcing existing enterprises to obey the new rules!

3. Earnings are placed later.

Enclosing land first and then making money is one of the core survival rules of Internet enterprises. In order to circle people, Internet companies do not hesitate to spend money, and various money-burning wars are real cases. Internet companies have brought this kind of play to the financial field, making it impossible for traditional financial institutions to cope with it.

The Internet has not only changed the form of financial services, but also the profit model of financial institutions. Although the core of Internet finance is still finance, we must not ignore the subversive significance brought by the Internet to traditional finance. In the future, financial institutions will die if they don't understand finance, and they will die even worse if they don't understand the Internet!