来源：券商中国
4月17日，$苹果(AAPL.US)$在官网宣告，其酝酿多时的Apple Card高收益储蓄账户（Savings Account）正式上线，功能上类似国内的“余额宝”。据悉，该账户系苹果与高盛合作推出，提供4.15%的高收益年利率，是美国平均水平的10倍多，听起来非常诱人。
值得注意的是，不久前的3月28日，苹果刚刚用分期付款服务（Apple Pay Later，类似“花呗”）阔步闯进消费金融市场，如今又紧锣密鼓上线储蓄账户，抢夺美国银行存款，充分显示了其拓展旗下金融服务产品的决心。
年利率可达4.15%，10倍高收益吸纳资金
据介绍，4月17日起，Apple Card用户可选择高盛储蓄账户来增加他们的每日现金奖励，该账户提供4.15%的高收益年利率（截至2023年4月14日），是美国平均水平的10倍多（数据来自美国联邦存款保险公司公布的储蓄存款产品的全国利率和利率上限，日期为2023年3月20日），无需任何费用，也无需最低存款或余额要求。
苹果公司Apple Pay和Apple Wallet副总裁Jennifer Bailey表示：“储蓄可以帮助我们的用户从他们最喜欢的Apple Card福利——每日现金(Daily Cash)中获得更多价值，同时为他们提供了一种简单的每天省钱的方式。”
Apple Card是苹果在2019年8月推出的新型信用卡，只对美国公众开放。消费者每次通过Apple Pay使用Apple Card都会获得比例为2%-3%的“每日现金”返现。
是不是看起来有些眼熟？通过返现红包培养用户的支付习惯，然后引导客户将账户中的零钱存入余额管理账户，以待未来开展更加丰富的金融服务业务——正与支付宝当初推出余额宝服务的路径异曲同工。
苹果表示，一旦建立了储蓄账户，用户未来每天赚取的现金可自动存入该账户。为了进一步增加储蓄，用户也可以通过关联的银行账户或苹果现金余额向他们的储蓄账户存入额外资金。用户也可以提取资金，转移到与之关联的银行账户或苹果现金卡上，且不收取任何费用。
Jennifer Bailey也坦言，“我们的目标是构建工具，帮助用户过上更健康的财务生活，将储蓄功能构建到Apple Card in Wallet中，使他们能够直接无缝地在一个地方消费、发送和保存每日现金。”
半个月前刚推出苹果版“花呗”，旨在消费金融
值得注意的是，半个月前，苹果版“花呗”（Apple Pay Later）才刚刚正式上线，这一分期付款服务允许用户申请50美元至1000美元的Apple Pay Later贷款，用于在iPhone和iPad上向接受Apple Pay的商家进行在线和应用内购买。
用户可将购买的款项分成四次支付，在六周内分期支付，无利息和费用。Jennifer Bailey称，Apple Pay Later在设计时考虑到了用户的财务状况，因此没有费用和利息，可以在Apple Wallet中使用和管理，让消费者更容易做出明智和负责任的借贷决定。
据悉，Apple Pay Later由苹果公司的子公司Apple finance LLC提供，该公司负责信用评估和贷款。苹果金融公司计划从今年秋天开始向美国信用机构报告Apple Pay Later的贷款，以反映在用户的整体财务状况中，有助于促进对贷款人和借款人负责任的放贷。
可以看到，从2019年联合高盛发行Apple Card，到近期连续推出分期付款和余额管理服务，苹果似乎正在沿着阿里、腾讯等国内科技巨头的脚印前行。时至今日，美国的科技巨头显然也看到了金融副业可能带来的巨大潜在收益空间。
在美国传统银行压力重重的当下，苹果如今下场余额管理市场，无疑选择了一个很好的时机。数据显示，自2022年下半年起，美国商业银行存款持续净流失，截至3月29日的当周已净减少6446亿美元。中银证券固定收益首席分析师肖成哲判断，考虑到同期美国货币市场共同基金累计净增长6670亿美元，上述存款流失的主因应是美联储加息造成的存款搬家。
今年3月，美国三家银行的相继关门，则进一步加速了储户从传统银行转移资金的速度。不过随着美国银行业危机继续缓解，商业银行存贷款正在逐渐恢复，截至4月5日的一周，商业银行存款增加了近610亿美元，结束了连续10周的流出趋势。
编辑/Jeffrey
来源：券商中国
Source: Broker China
4月17日，$苹果(AAPL.US)$在官网宣告，其酝酿多时的Apple Card高收益储蓄账户（Savings Account）正式上线，功能上类似国内的“余额宝”。据悉，该账户系苹果与高盛合作推出，提供4.15%的高收益年利率，是美国平均水平的10倍多，听起来非常诱人。
4/17,$Apple(AAPL.US)$It was announced on the official website that the Apple Card High Yield Savings Account (Savings Account), which had been in the works for a long time, was officially launched, similar in function to the domestic “Balance Bank”. According to reports, this account was launched in collaboration with Apple and Goldman Sachs, providing a high yield annual interest rate of 4.15%, which is more than 10 times the US average, which sounds very attractive.
值得注意的是，不久前的3月28日，苹果刚刚用分期付款服务（Apple Pay Later，类似“花呗”）阔步闯进消费金融市场，如今又紧锣密鼓上线储蓄账户，抢夺美国银行存款，充分显示了其拓展旗下金融服务产品的决心。
It is worth noting that not long ago, on March 28, Apple just used its installment service (Apple Pay Later, similar to “flower payment”) to break into the consumer finance market, and is now intensively launching savings accounts to seize Bank of America deposits, fully demonstrating its determination to expand its financial services products.
年利率可达4.15%，10倍高收益吸纳资金
The annual interest rate can reach 4.15%, and the yield is 10 times higher to absorb capital
据介绍，4月17日起，Apple Card用户可选择高盛储蓄账户来增加他们的每日现金奖励，该账户提供4.15%的高收益年利率（截至2023年4月14日），是美国平均水平的10倍多（数据来自美国联邦存款保险公司公布的储蓄存款产品的全国利率和利率上限，日期为2023年3月20日），无需任何费用，也无需最低存款或余额要求。
According to reports, starting April 17, Apple Card users can choose a Goldman Sachs Savings Account to increase their daily cash rewards. The account provides a high yield annual interest rate of 4.15% (as of April 14, 2023), which is more than 10 times the US average (data comes from the national interest rate and interest rate limit for savings deposit products announced by the US Federal Deposit Insurance Company. The date is March 20, 2023). There are no fees or minimum deposit or balance requirements.
苹果公司Apple Pay和Apple Wallet副总裁Jennifer Bailey表示：“储蓄可以帮助我们的用户从他们最喜欢的Apple Card福利——每日现金(Daily Cash)中获得更多价值，同时为他们提供了一种简单的每天省钱的方式。”
Jennifer Bailey, vice president of Apple Pay and Apple Wallet at Apple, said, “Savings help our users get more value from their favorite Apple Card benefit — Daily Cash (Daily Cash), while providing them with an easy way to save money every day.”
Apple Card是苹果在2019年8月推出的新型信用卡，只对美国公众开放。消费者每次通过Apple Pay使用Apple Card都会获得比例为2%-3%的“每日现金”返现。
Apple Card is a new type of credit card introduced by Apple in August 2019. It is only open to the American public. Every time a consumer uses an Apple Card through Apple Pay, they receive 2%-3% “Daily Cash” cashback.
是不是看起来有些眼熟？通过返现红包培养用户的支付习惯，然后引导客户将账户中的零钱存入余额管理账户，以待未来开展更加丰富的金融服务业务——正与支付宝当初推出余额宝服务的路径异曲同工。
Doesn't it look familiar? Cultivate users' payment habits through cashback envelopes, and then guide customers to deposit the change in their accounts into balance management accounts in order to develop richer financial services business in the future — this is in line with Alipay's original path of launching the Yubao service.
苹果表示，一旦建立了储蓄账户，用户未来每天赚取的现金可自动存入该账户。为了进一步增加储蓄，用户也可以通过关联的银行账户或苹果现金余额向他们的储蓄账户存入额外资金。用户也可以提取资金，转移到与之关联的银行账户或苹果现金卡上，且不收取任何费用。
Apple said that once a savings account is established, the cash that users will earn every day in the future can be automatically deposited into that account. To further increase savings, users can also deposit additional funds into their savings accounts through linked bank accounts or Apple Cash balances. Users can also withdraw funds and transfer them to their associated bank account or Apple Cash card at no charge.
Jennifer Bailey也坦言，“我们的目标是构建工具，帮助用户过上更健康的财务生活，将储蓄功能构建到Apple Card in Wallet中，使他们能够直接无缝地在一个地方消费、发送和保存每日现金。”
Jennifer Bailey also admits, “Our goal is to build tools that help users lead healthier financial lives, and build savings features into the Apple Card in Wallet so they can spend, send, and save their daily cash directly and seamlessly in one place.”
半个月前刚推出苹果版“花呗”，旨在消费金融
Just launched the Apple version of “Flower Love” half a month ago, aimed at consumer finance
值得注意的是，半个月前，苹果版“花呗”（Apple Pay Later）才刚刚正式上线，这一分期付款服务允许用户申请50美元至1000美元的Apple Pay Later贷款，用于在iPhone和iPad上向接受Apple Pay的商家进行在线和应用内购买。
It is worth noting that half a month ago, the Apple version of “Apple Pay Later” (Apple Pay Later) was only officially launched. This installment payment service allows users to apply for Apple Pay Later loans of $50 to $1,000 for online and in-app purchases on iPhones and iPads from merchants that accept Apple Pay.
用户可将购买的款项分成四次支付，在六周内分期支付，无利息和费用。Jennifer Bailey称，Apple Pay Later在设计时考虑到了用户的财务状况，因此没有费用和利息，可以在Apple Wallet中使用和管理，让消费者更容易做出明智和负责任的借贷决定。
Users can split the purchase into four installments over six weeks, with no interest or fees. Jennifer Bailey said that Apple Pay Later was designed with the user's financial situation in mind, so there are no fees or interest, and can be used and managed in the Apple Wallet, making it easier for consumers to make wise and responsible borrowing decisions.
据悉，Apple Pay Later由苹果公司的子公司Apple finance LLC提供，该公司负责信用评估和贷款。苹果金融公司计划从今年秋天开始向美国信用机构报告Apple Pay Later的贷款，以反映在用户的整体财务状况中，有助于促进对贷款人和借款人负责任的放贷。
According to reports, Apple Pay Later is provided by Apple Finance LLC, a subsidiary of Apple, which is responsible for credit evaluations and loans. Apple Finance plans to start reporting Apple Pay Later loans to US credit institutions this fall to reflect in users' overall financial situations and help promote responsible lending to lenders and borrowers.
可以看到，从2019年联合高盛发行Apple Card，到近期连续推出分期付款和余额管理服务，苹果似乎正在沿着阿里、腾讯等国内科技巨头的脚印前行。时至今日，美国的科技巨头显然也看到了金融副业可能带来的巨大潜在收益空间。
As can be seen, from issuing an Apple Card with Goldman Sachs in 2019 to the recent continuous introduction of installment payment and balance management services, Apple seems to be following in the footsteps of domestic tech giants such as Ali and Tencent. As of today, it is clear that America's tech giants have also seen the huge potential profit potential that financial sidelines may bring.
在美国传统银行压力重重的当下，苹果如今下场余额管理市场，无疑选择了一个很好的时机。数据显示，自2022年下半年起，美国商业银行存款持续净流失，截至3月29日的当周已净减少6446亿美元。中银证券固定收益首席分析师肖成哲判断，考虑到同期美国货币市场共同基金累计净增长6670亿美元，上述存款流失的主因应是美联储加息造成的存款搬家。
At a time when traditional banks in the US are under heavy pressure, Apple is now closing the balance management market and has certainly chosen a good time. According to the data, since the second half of 2022, the net loss of US commercial bank deposits has continued, with a net decrease of 644.6 billion US dollars in the week ending March 29. Xiao Chengzhe, chief fixed income analyst at Bank of China Securities, determined that considering the cumulative net increase of US money market mutual funds of 667 billion US dollars during the same period, the main reason for this loss of deposits was deposit movements caused by the Federal Reserve's interest rate hike.
今年3月，美国三家银行的相继关门，则进一步加速了储户从传统银行转移资金的速度。不过随着美国银行业危机继续缓解，商业银行存贷款正在逐渐恢复，截至4月5日的一周，商业银行存款增加了近610亿美元，结束了连续10周的流出趋势。
In March of this year, three US banks closed their doors one after another, which further accelerated the speed at which depositors transferred funds from traditional banks. However, as the US banking crisis continues to ease, commercial bank deposits and loans are gradually recovering. In the week ending April 5, commercial bank deposits increased by nearly 61 billion US dollars, ending a 10-week continuous outflow trend.
编辑/Jeffrey
