“Of course, when people bury treasure nowadays they do it in the Post-Office bank.” If only Sherlock Holmes were around to crack this case. There is treasure in China that pays just under 6 per cent – annualised, on demand – on cash that would earn about 3 per cent in one of the country’s banks. How does Yu’e Bao (“leftover treasure”), an online money market fund from Alibaba’s ecommerce stable, do it?
夏洛克•福爾摩斯(Sherlock Holmes)曾說過：「如今，人們需要埋藏財寶時，會把它們埋進郵局銀行。」要是這位大偵探還健在，能破解下面這個案子就好了。在中國存在一種名爲「餘額寶」的金融產品，能支付略低於6%的年化利率，並且可以隨時支取，而中國國內銀行的1年期存款利率僅爲3%左右。那麼作爲阿里巴巴(Alibaba)電商平臺旗下的網路貨幣市場基金，餘額寶是如何做到這一點的呢？
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