A Shares Become Stronger And Internet Finance Rises. Where Did All The Money Go In 2014?

In the 14 years from 2001 to 2014, only in 2003, 2010, 2011 and 2014 did the annual increase in deposits increase.

Where have all the savings gone? Who is the gold sucking master?

"How much is your baby's income", "the stock has risen recently", "what are the most profitable financial products recently" and "which P2P is reliable"?

In 2014, these became investors' new greetings.

Reporters interviewed found that the strong A shares in 2014 and the rise of Internet finance were the main reasons for the serious loss of bank deposits.

Since July last year, as the stock market continues to strengthen, capital has begun to flow in, and bank deposits are facing enormous drain pressure.

In November 22, 2014, the sudden fall in interest rates by the central bank directly led to the continuous and rapid rise of the stock index and the sudden increase in the loss of bank deposits.

In view of the continuous flow of funds into the stock market, the SFC even made a voice to remind investors not to listen to selling stocks.

More Than This,

Subsequent optimism is expected to result in continued deposits of bank deposits.

Industry experts said that despite the recent sharp reversal of Shanghai stock index, Haitong Securities and other brokerages said that "bull market comes to the first stage". The optimistic judgement of the professional research institutions and the frequent introduction of major strategic reform measures will still strengthen the stock market's ability to absorb gold.

If the stock market strength is an accidental factor, then the rise of Internet finance is a historical necessity.

Chinese

Inhibition has spawned an even larger online financial services market than the United States. What is known as "Internet finance" in China is accelerating the pfer process of residents' deposits.

Internet finance has created a variety of investment channels.

P2P, public funding and so on, with the help of the Internet, Internet Finance staged a counterattack.

More than 70% Chinese consumers will consider setting up pure Internet banking accounts in January, according to McKinsey's 2014 China Personal Financial Services Research Report.

With the requirement of face signing and so on, the Internet banking will be expected to attract a large number of customers, and will become another important force to divert traditional bank deposits.

At present, compared with the volume of trillions of bank deposits, these only cut away a small piece of cake from the bank.

But experts predict that under the trend of financial disintermediation, the diversion of ants in other investment channels will continue, and the move of bank deposits will not be reversible.

Qian Jing wealth CEO Zhao Rongchun said that the "moving" phenomenon of bank deposits was caused by a number of factors. With the application of financial innovation tools and the rise of the electronic commerce rush, Internet merchants began to provide financial services, and made a wave of funds to pursue the wealth effect leave the banking system.

He believes that the development of financial services and the loss of deposits are synchronized, and this phenomenon will continue.