【新唐人2014年02月28日訊】由阿里巴巴這類公司發起的互聯網金融理財產品，遭到《央視》評論員狗血淋頭的謾罵，它們被罵作銀行的吸血鬼，危及中國經濟健康。這是官媒對於撼動傳統銀行系統的所謂「寶寶軍團」的最新一輪炮轟。
去年6月，阿里巴巴集團推出一項互聯網存款業務——「餘額寶」。通過「餘額寶」，用戶在「支付寶」網站內就可以直接購買基金等理財產品，獲得相對較高的收益，同時「餘額寶」內的資金，還能隨時用於網上購物、和支付功能。屬於一種貨幣型基金。
而在半年多，不到10個月的時間，「餘額寶」規模已達到4000億元。由於增長過快，引發了各方擔憂。
《央視》財經評論員鈕文新日前在博客中斥責「餘額寶」：「是在衝擊中國整個社會的融資成本，並且衝擊中國整體經濟安全。」他形容 「餘額寶就像一個爬到銀行機體上的吸血鬼。是一個典型的金融寄生蟲。」
《金融時報》2月23號報導說，這種基金是不到一年前推出的，但是已經顛覆了中國銀行系統傳統的商業模式。
可是，北京一家足球俱樂部經理孟雅春認為，「餘額寶」對傳統銀行造成衝擊是件好事。
北京某足球俱樂部經理孟雅春：「中國銀行業純粹是壟斷，老百姓存款沒甚麼利息。所以餘額寶是好東西。幫助老百姓提高利息。至於銀行，銀行本身就應該面對這種競爭。它不應該再那麼輕鬆的賺錢了。鈕文新顯然，我覺得他肯定還是代表壟斷勢力。 」
孟雅春指出，在中國這種體制下，壟斷集團的既得利益者通過對國家資源的壟斷，對社會資源的壟斷，獲得了極大的利益。而老百姓甚麼也得不到。但是「餘額寶」的出現顯然有可能改變這種狀況。
北京天則研究所所長助理段紹譯：「我是支持的。確實因為銀行長期以來因為政府的特殊保護，它獲得了很大的壟斷利益。這個壟斷利益對老百姓是不利的。所以有了餘額寶這樣的金融工具的話，對老百姓會有更多的好處。 」
網絡上針對鈕文新的罵戰排山倒海。很多網友堅決支持「餘額寶」給百姓帶來的實惠，而痛斥傳統銀行通過極低利率對百姓進行的壓搾。
孟雅春：「就是說餘額寶它不光是代表我的利息多了。它很大程度上代表一種草根的力量。在這個社會中，大家都知道，每個人都是被政府控制，政府是很強勢的，體制壓迫感非常強，普通人是沒有力量的。現在這個社會特點就是，凡是政府支持的，肯定民眾就不支持。就這種鮮明的對立。」
中國銀行個人活期存款的利率僅0.35%，而每年通貨膨脹的官方數字就有2%∼3%，實際存款利率為負利率。孟雅春表示，顯然老百姓的資產一直都在縮水。
孟雅春：「有辦法的，像富人，比如去買股票，買證券，去炒房子，把錢存到海外投資，普通老百姓顯然是沒有這種渠道的。所以只能放在銀行。從這方面講，也能解釋為甚麼這兩年理財產品賣的這麼火爆。就是老百姓也試圖去找一些高利息的回報。」
許多「餘額寶」的粉絲指責鈕文新是銀行的「槍手」和「狗腿子」。孟雅春表示，這些所謂的專家可能是政府代言人，有可能政府為保護國有銀行利益，企圖限制「餘額寶」。
大陸《第一財經日報》2月27號報導，有銀行業界人士及金融領域專家學者提出建議，從維護金融市場秩序公平競爭與國家金融安全計，應將「餘額寶」等互聯網金融貨幣基金存放銀行的存款，納入一般性存款管理，不作為同業存款，按規定繳納存款準備金。
同業存款的利率由雙方協商議定﹔而一般性存款的利率上限則受管制。若將「餘額寶」存放銀行的存款納入一般性存款管理，必將對當前高收益的「餘額寶」造成巨大衝擊。
採訪編輯/秦雪 後製/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