How to deal with the lower and lower income of Ethereum

1. If you are a full-time we media, we suggest you do it part-time. The reasons are as follows: with the coming of we media platform, the incentive measures of each platform have come true. We did not block the "temptation", accidentally "trapped" in, knowing that to deceive Junzi Fang, open-minded to bear. People who have entered we media are also like girls with high-profile appearance. As a result, most of them are from US media. I would like to see the moon in my heart, but the moon shines in the ditch. Reading, income and reward are not enough for electricity. It can be said that a river of spring water flows eastward, and the cup is even more sorrowful.

2.

First of all, we still need to understand the whereabouts of the amount in yu'ebao

balance treasure is Alipay and Celestica fund launched after the launch of a financial proct. Alipay uses its influence to allow users to deposit their money in the balance treasure, and then give the money to Celestica fund, and the Celestica fund finally deposits the money in the bank. p>

at the same time, the state stipulates that banks can't raise the deposit interest rate to solicit deposits, and the interest rate is controlled to death, so many people are not very keen on the current and fixed deposit of banks. After all, the rate of return is too low

however, the deposit method of "interbank deposit" is not subject to the above provision, and the deposit interest rate is determined by the depositor and the bank

The relationship between Tianhong fund and the bank is just the same, so Tianhong fund can get a higher deposit interest rate through negotiation by depositing yu'ebao's money in the bank. Then the majority of the proceeds will be distributed to the masses

The decrease of funds is related to the turnover of bank funds

if the bank is short of money and the cash flow is not smooth, then when the fund company deposits a large amount of money in the bank, it will certainly ask the bank for more deposit interest. After all, it is sending carbon in the snow, and the bank will not care about this

on the contrary, if the bank's loan is in short supply, there are many enterprises and indivials lining up for loans outside, and the interest rate of bank loans is high, the more loans they lend out, the more money they earn. Therefore, ring the Spring Festival, the bank will share a higher share of Tianhong fund, which gives it carbon, and the users of yu'ebao will also earn more money

and with the passing of the loan peak, banks need less capital, so the interest rate of yu'ebao has come down

so, the income of yu'ebao is getting lower and lower for its own reasons

3. First, the instry has entered the compliance rectification period since last year
in fact, not only this year, but also from the data of recent years, the comprehensive rate of return of online financial management has been in a downward trend and has repeatedly reached new lows, and the platform with an average expected annual rate of more than 20% has completely become history. With the continuous deepening of the reform period of online loans, there is still room for the comprehensive rate of return of the instry to decline in the future
Second, in the downward environment of the real economy, interest rate rection is also the general trend
e to the downward trend of the real economy, the general environment of the financial instry is in a state of depression, and the general environment drives everyone's mood. Coupled with the sharp drop of stocks, it gives people the feeling that the financial market has become extremely unstable. Because everyone has reced the scale of investment, the P2P instry will inevitably cut interest rates
thirdly, the competition on the asset side is becoming more and more fierce
e to the increasing number of P2P platforms, the competition between the asset side and the borrower is becoming more and more intense. For example, if you want to borrow money, now 1000 people are willing to lend it to you. Without hesitation, more than 90% of people will directly choose the one with low interest rate, and the current asset side competition is so naked
therefore, it is reasonable that the income of online financial management is graally decreasing. And from another point of view, it also shows that the whole P2P instry is slowly moving towards standardization, and the security is graally improving.