The decline in the yield of Yu 'ebao is caused by the decline in the overnight rate of banks and the decline in the income of money funds. Some time ago, it was a little unusual, and it was normal to stabilize at around 10 thousand yuan 1.35 per day. So now the income will continue to decrease. Under normal circumstances, Yu 'ebao will not be banned. The virtual credit card made by Alipay will be banned because it is too risky and is suspected of disrupting the financial market.