Recently, when I went to Shanda to discuss my next new book, I saw a poster in the elevator of their building. It advertised a wealth management product called "Zhao Cai Jin Bao," and what attracted me most were the words "20% more than Yu'ebao." Twenty percent more than Yu'ebao—now that was quite appealing to me. After all, who wouldn't want more money!
After we finished discussing business, I asked them out of curiosity: wasn't Shanda mainly about games and literature? How had they started making wealth management products? They told me that this product was a super wealth management product launched this year by Shengpay, a wholly owned subsidiary of Shanda Network and a third-party payment company. Starting from April 9, on Shengpay's "Zhao Cai Jin Bao" official website (
Afterward, I also learned about Shengpay's "Zhao Cai Jin Bao" product through various channels. The product required users to make reservations before scrambling to buy it. The rules were simple: first, download the "Zhao Cai Jin Bao" client and register a Shengpay account; finally, deposit 1 Yuan into the Shengpay account to complete the reservation. Reserved users could get priority over ordinary users when buying it. This product was only for wealth management and did not allow transfers or shopping. Funds could only enter and leave through bank cards under the same name. Not only did it offer 20% more returns than Yu'ebao, its security was also stronger than Yu'ebao's. At the same time, Zhao Cai Jin Bao introduced a thoughtful little feature—it could support multiple accounts on one device, helping family members manage their finances together. Convenient and practical.