【新唐人2014年02月28日讯】由阿里巴巴这类公司发起的互联网金融理财产品，遭到《央视》评论员狗血淋头的谩骂，它们被骂作银行的吸血鬼，危及中国经济健康。这是官媒对于撼动传统银行系统的所谓“宝宝军团”的最新一轮炮轰。
去年6月，阿里巴巴集团推出一项互联网存款业务——“余额宝”。通过“余额宝”，用户在“支付宝”网站内就可以直接购买基金等理财产品，获得相对较高的收益，同时“余额宝”内的资金，还能随时用于网上购物、和支付功能。属于一种货币型基金。
而在半年多，不到10个月的时间，“余额宝”规模已达到4000亿元。由于增长过快，引发了各方担忧。
《央视》财经评论员钮文新日前在博客中斥责“余额宝”：“是在冲击中国整个社会的融资成本，并且冲击中国整体经济安全。”他形容 “余额宝就像一个爬到银行机体上的吸血鬼。是一个典型的金融寄生虫。”
《金融时报》2月23号报导说，这种基金是不到一年前推出的，但是已经颠覆了中国银行系统传统的商业模式。
可是，北京一家足球俱乐部经理孟雅春认为，“余额宝”对传统银行造成冲击是件好事。
北京某足球俱乐部经理孟雅春：“中国银行业纯粹是垄断，老百姓存款没什么利息。所以余额宝是好东西。帮助老百姓提高利息。至于银行，银行本身就应该面对这种竞争。它不应该再那么轻松的赚钱了。钮文新显然，我觉得他肯定还是代表垄断势力。 ”
孟雅春指出，在中国这种体制下，垄断集团的既得利益者通过对国家资源的垄断，对社会资源的垄断，获得了极大的利益。而老百姓什么也得不到。但是“余额宝”的出现显然有可能改变这种状况。
北京天则研究所所长助理段绍译：“我是支持的。确实因为银行长期以来因为政府的特殊保护，它获得了很大的垄断利益。这个垄断利益对老百姓是不利的。所以有了余额宝这样的金融工具的话，对老百姓会有更多的好处。 ”
网络上针对钮文新的骂战排山倒海。很多网友坚决支持“余额宝”给百姓带来的实惠，而痛斥传统银行通过极低利率对百姓进行的压榨。
孟雅春：“就是说余额宝它不光是代表我的利息多了。它很大程度上代表一种草根的力量。在这个社会中，大家都知道，每个人都是被政府控制，政府是很强势的，体制压迫感非常强，普通人是没有力量的。现在这个社会特点就是，凡是政府支持的，肯定民众就不支持。就这种鲜明的对立。”
中国银行个人活期存款的利率仅0.35%，而每年通货膨胀的官方数字就有2%∼3%，实际存款利率为负利率。孟雅春表示，显然老百姓的资产一直都在缩水。
孟雅春：“有办法的，像富人，比如去买股票，买证券，去炒房子，把钱存到海外投资，普通老百姓显然是没有这种渠道的。所以只能放在银行。从这方面讲，也能解释为什么这两年理财产品卖的这么火爆。就是老百姓也试图去找一些高利息的回报。”
许多“余额宝”的粉丝指责钮文新是银行的“枪手”和“狗腿子”。孟雅春表示，这些所谓的专家可能是政府代言人，有可能政府为保护国有银行利益，企图限制“余额宝”。
大陆《第一财经日报》2月27号报导，有银行业界人士及金融领域专家学者提出建议，从维护金融市场秩序公平竞争与国家金融安全计，应将“余额宝”等互联网金融货币基金存放银行的存款，纳入一般性存款管理，不作为同业存款，按规定缴纳存款准备金。
同业存款的利率由双方协商议定﹔而一般性存款的利率上限则受管制。若将“余额宝”存放银行的存款纳入一般性存款管理，必将对当前高收益的“余额宝”造成巨大冲击。
采访编辑/秦雪 后制/李勇
Yu-E-Bao Faces Criticism, CCTV Questions its Invasion
in to State Owned Banks.
An internet-based financial product launched by Alibaba, was
during the week, violently criticized by a CCTV commentator,
claiming it to be a bloodsucker, damaging the state of the
Chinese economy.
This is the latest round of firestorm type attacks from official
media, claiming it to be of the “Baobao Legion"
which is invading the business area of the traditional
state-owned banks.
Last June, the Alibaba Group launched an internet-based
deposit business-Yu E Bao,
which enables the users to directly buy financial products,
such as funds on the website of Alipay, allowing the independence
of obtaining relatively high gains.
Meanwhile this enables the freedom of remaining savings
in their accounts,
to be used for internet shopping and other payments schemes.
Yu-E-Bao is a sort of Money Market Fund.
Within less than ten months, the Fund scale of Yu-E-Bao,
has achieved 400 billion RMB (US$ 65 Billion).
Its rapid growth has triggered major concerns from
all relevant stakeholders in the market.
Niu Wenxin, a commentator of CCTV,
recently accused Yu-E-Bao on his blog article:
“It (Yu-E-Bao ) is impacting upon the financing costs of the
entire society and on the security of the entire economy."
He describes: “Yu-E-Bao being like a vampire on the body
of the banking industry and a typical financial parasite."
Financial Times reported on Feb. 23,
that the Fund was first on the market less than one year ago.
But it has overturned the traditional business patterns
of China’s banking system.
But, manager of a soccer club in Beijing Meng Yachun says,
the impacts of “Yu-E-Bao" on traditional banks
are a good thing.
Meng Yachun: “The Chinese banking industry is a sheer
monopoly, and the ordinary people’s deposits do not give back
all that much in interest.
So Yu-E-Bao is a good alternative to offer more interests
to the ordinary citizen on the street.
As for the banks, they should be placed into facing such
competition.
It shouldn’t just be, that they (high-street banks) can go make
lots of money so easily.
Niu Wenxin is obviously on the behalf of the monopoly forces."
Meng Yachun points out, under the Chinese regime,
monopoly group’s vested interests grabbed maximum gains
by the monopoly of social and national resources,
whereas the ordinary people obtain very few.
But apparently, the emergence of Yu-E-Bao
might bring change to such a status.
Beijing Uni-Rule Institute Assistant Director Duan Shaoyi:
“I support Yu-E-Bao.
In fact, the banks have, over a long period of time, obtained
massive monopoly benefits due to a particular
protection of the government.
Such a monopoly is not in favor of the ordinary people.
So a financial tool like Yu-E-Bao should open things up,
bringing more benefits to the ordinary people."
The criticism on Niu Wenxin is taking a dominating place
upon the internet.
Most netizens resolutely support Yu-E-Bao, bringing with it
more interests to the ordinary people,
and bitterly rebuking the exploiting of traditional banks
via extremely low interest rates.
Meng Yachun: “Yu-E-Bao is not only to bring more interests
to the users,
it also exhibits a sort of grassroots force,
to a considerable extent.
In such a society, we all know everyone is controlled
by the government,
and the government is a very powerful regime which has
often exerted overwhelming force,
this unfortunately renders the ordinary people powerless
in the face of its extremes.
A feature of such a society, is that the ordinary people, will
of course oppose all that which is supported by the government.
There is such a contrasting antagonism between both groups."
The interest rates of personal current deposits in regular
Chinese banks is only 0.35 percent,
whereas the official inflation rate is 2-3 percent
on a yearly basis.
So the actual interest rate is negative. Meng Yachun says,
apparently the assets of the ordinary people are always shrinking.
Meng Yachun: “For those able people, such as the rich guys,
they can buy any stocks and securities,
investing their money in properties home and abroad.
Obviously the ordinary people cannot access the market
in such ways.
All they can do, is merely place their money in to a bank.
From this aspect, the hot popularity of financial products
in recent years is easy to understand.
As everyday ordinary people, they are trying
to find investment ways with high returns."
Many fans of Yu-E-Bao accused Niu Wenxin as being a gunner
and henchman of the high-street banks.
Meng Yachun says, such so-called experts might be
the mouthpieces of the government,
what they did is to achieve the objectives of the government,
protecting state-owned banks’ interests and containing Yu-E-Bao.
Mainland-based Chinese Business News
reported on Feb. 27,
some experts from the banking industry and financial fields,
suggested, in order to maintain the financial market order,
fair competition, and national financial security,
Yu-E-Bao and other Monetary Market Funds should be
managed as a general deposit business,
rather than an inter-fund deposit business, and they should
be paid to the Central Bank with a deposit reserve.
The interest rate of the inter-fund deposit is determined
by mutual agreement,
but the upper limit of general deposit interest is regulated.
So if the deposit business of Yu-E-Bao is managed
as a general deposit business,
then there would likely be a huge impact upon Yu-E-Bao,
which currently has a high return for the everyday guy.
Interview & Edit/Qin Xue Post-Production/Li Yong
