“余额宝”这一新型互联网金融产品,一经问世,便受到投资者的青睐,销售数量瞬间攀升,增长速度令人惊叹!截至2014年2月底,余额宝的客户数量已超过8100万户,销售金额也已超过5000亿元。“余额宝”销售场面火爆的同时,质疑的声音也此起彼伏:有人认为余额宝会抬高银行贷款的利率,是“趴在银行身上的吸血鬼”、“金融业的寄生虫”;有人认为应对余额宝存款实行存款准备金管理;有人认为余额宝是钻了监管的 The new Internet financial products, once published, are favored by investors with an instant increase in sales volume and an incredible growth rate. As of the end of February 2014, there have been more than 81 million customers of YuBaoBao , The amount of sales has more than 500 billion yuan. While the sales scene is hot, the voices of doubts are also coming one after another: Some people think that Yuen Po will raise the interest rate on bank loans by “vampire” lying on the bank, “” parasite of financial industry “ ”Some people think that the balance of deposit should be implemented deposit reserve management; some people think that the treasure is super-controlled