1. Tide and Tide belong to China Merchants Bank. The difference between them is: 1. Docking products are different. Chaochaobao is a low-risk and fixed-income product, which is connected with the winning cornucopia cash management financial plan of Zhao Yin Wealth Management Co., Ltd.. Super Ying Chao is a monetary fund sold by China Merchants Bank, and its main docking is Lucky Treasure Class B. 2. The redemption time of the fund is different. Chaochaobao can be redeemed and deposited at any time, with no handling fee. When using China Merchants Bank Card for fast payment, credit card repayment, POS card swiping, etc., it is not necessary to manually transfer the funds of Chaochaobao, and users can use it directly. Super Super Win belongs to the monetary fund, and ordinary redemption is used before the afternoon of the fund trading day 15: 00, and the redemption funds will generally arrive before 24: 00 of the next fund trading day; If it is redeemed after the afternoon of the fund trading day 15: 00, regardless of whether it is redeemed or not, the redemption funds will generally arrive before 24: 00 of the next two fund trading days. 3. The amount of express payment is different. Chaochaobao has been upgraded from 65,438+00,000 yuan to 50,000 yuan, and can apply for redemption flexibly without handling fee. Super Super Win only has a quick redemption amount of 6.5438+0 million per day. Through the above comparative analysis, the two products are hard to distinguish, and only according to the actual situation of investors, it is best to choose the one that suits you. Second, China Merchants Bank's surpassing Ying Chao is actually its own balance treasure. Buying this product is equivalent to buying the investment promotion fund of China Merchants Bank. The security of the money fund is obvious to all, but the expected annualized rate of return cannot be guaranteed. We can only refer to the average expected annualized rate of return of the money fund, which is between the expected annualized interest rate of 1 year time deposit and the expected annualized interest rate of 3-year time deposit. Third, the security of China Merchants Bank's super-win involves two aspects, one is the risk of online payment, and the other is the risk of investment. 1. From the risk of online payment, China Merchants Bank Chaoyue is operated through the mobile banking client. The security of China Merchants Bank's mobile banking client is generally trustworthy, but investors need to protect their mobile phone security and the security of China Merchants Bank's bank account password. 2. From the perspective of investment risk, because China Merchants Bank is linked to the money fund, the investment target of the money fund is relatively safe and the risk is extremely low. Unless extreme circumstances (financial disorder, sudden huge redemption, regime change, etc.). ), the money fund may suffer losses. Therefore, the investment risk of China Merchants Bank beyond Ying Chao is relatively low. Under normal circumstances, we will think that China Merchants Bank is safe.