Generally speaking, it is relatively safe. However, as a monetary fund, Yu 'ebao also has certain risks.
You may be worried about the risk of principal loss, but the probability of this happening is relatively small. Because Yu 'ebao is a low-risk wealth management product.
I personally have the habit of managing money, and I will also put some money in Yu 'ebao. There has been no accident so far. Personally, I am more at ease. The income is relatively stable, and the daily income 1 10,000 yuan is about 0.53 yuan.
Tips: If you invest in Xiaobai, you must read all kinds of agreements carefully before buying Yu 'ebao. Investment is risky and financial management needs to be cautious.
2. What do you mean by personal loan deposit and loan income?
The emergence of a new type of value-added account called "deposit-loan pass" has solved the "dilemma" that mortgage customers can't have both, and truly realized the function of "reducing the loan burden and making deposits move".
Reportedly, customers who handle various personal loans in CCB can apply to open a "deposit-loan pass" value-added account, which is associated with the designated loan account applied by the borrower in CCB. After opening an account, citizens can deposit the money in the current account into a "value-added account". According to the rules and proportion agreed with the bank in advance, this money will be used as the money to repay the loan in advance. The more the account balance, the higher the repayment amount will be regarded as deduction.
How about putting the money in Yu 'ebao?
Yes, it will raise interest rates.
4. How did the money in Yu 'ebao become less?
The money in Yu 'ebao will not be lost, but will only increase. But there are also some risks: market risk: the income of the money fund is not fixed, and so is Yu 'ebao. If the money market does not perform well, the income of the money fund will also decline. The income of Yu 'ebao comes from the market income of the money fund, not from Alipay. Competitive risk: In fact, Alipay launched Yu 'ebao to improve users' viscosity, attract users' idle demand deposits to the Yu 'ebao in Alipay, and facilitate users to shop on Taobao, which will endanger the interests of banks to a certain extent. Risk: Yu 'ebao does not remind users of the investment risk of money funds. Once the user of Yu 'ebao has a revenue dispute, it is difficult for the law to avoid it, and the impact is difficult to estimate. Regulatory risk: According to the regulations of the central bank on the management of third-party payment platforms, the balance of Alipay can be purchased by agreement deposits, and there is no clear regulation on whether to purchase funds. Yu 'ebao's practice of realizing the fund sales function with the help of Tian Hong Fund is playing a marginal role. From a regulatory point of view, Yu 'ebao is illegal. Once the regulatory authorities attack, Yu 'ebao may be stopped.