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Xiaomi dips its toe into financial services

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Xiaomi began public beta testing Tuesday of an online money-market fund that lets users earn interest on money saved in Xiaomi’s wallet app, a spokeswoman said. It marks another sign of Xiaomi’s ambitions to be an Internet company rivaling Alibaba Group and Tencent Holdings, rather than just a hardware maker. China e-commerce giant Alibaba launched its Yu’e Bao online fund management platform in June 2013, and it became the fourth-largest money market fund in the world at one point last year.

小米的一位女发言人称:小米理财货币基金beta版在本周二上线,用户可以将钱存在小米钱包应用里赚取利息。又一个迹象表明小米想成为一家可以与阿里巴巴集团和腾讯控股相匹敌的互联网公司,而不仅仅是一个硬件制造商。2013年6月,中国电子商务巨头阿里巴巴推出了余额宝网上基金管理平台,去年,它一度成为世界第四大货币基金。


The annual yield for Xiaomi’s fund is currently 6.4%, according to a microblog post by Xiaomi marketing chief Tony Wei. Yu’e Bao’s yield has fallen to 4.5% as of Tuesday, although it was over 6% in its early days. It isn’t clear whether Xiaomi’s higher rate would remain should the company make the program permanent.

根据小米营销总监托尼魏的微博帖子来看,小米基金目前的年化收益率是6.4%,截至周二,余额宝的收益率已经下降到4.5%,尽管它在其初期的时候超过了6%。目前尚不明确小米这种更高的收益率是否会保持,以及该公司是否会让这个项目长久运行。


Also this week, Facebook added a payment feature to its Messenger app that let users send cash to friends. Such a function had already been offered by Chinese Internet companies like Tencent, with Chinese users early adaptors of mobile payments.

同样是在本周,Facebook在它的Messenger 应用里加入了支付功能,让用户送现金给朋友。这样的功能中国的互联网公司如腾讯已经通过早期移动支付终端向用户提供。


As for Xiaomi’s fund, it is still in beta testing, so there are no guarantees it will be a permanent feature. But it’s an indication of Xiaomi’s direction as it looks beyond smartphone sales. The company has grown into the world’s most valuable startup due to online sales of smartphones with high-end specs and low price tags. Xiaomi executives have long said they are more interested in building a large userbase than in short-term profits from the phones so they can deploy more Internet services.

至于小米的基金,它仍然处在测试阶段,所以我们不能保证它是一个永久的东西。但是它预示着小米的发展方向不仅止于销售智能手机。由于它在网上销售的智能手机质量好、价格低(性价比高),小米已经成长为世界上最有价值的创业公司。小米的高层很早之前就表示,与从手机中获得短期利润相比,他们对建立一个大型的用户群更感兴趣,这样的话,他们能够通过互联网提供更多的服务。


“Xiaomi is much more like an Internet company than a hardware company,” Xiaomi President Bin Lin said in an interview in January, saying that software revenue was growing faster than hardware revenue.

一月份,小米总裁林斌在接受采访时说,“小米更像是一家互联网公司,而不只是一家硬件公司,软件的收益要比硬件收益来得更快。”


Xiaomi sold 61.1 million smartphones last year and expects to sell 80 million to 100 million this year.

去年,小米售出6110万台智能手机,今年预计销售8000万台到1亿台。

2016-06-23

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