Tianyibao is an account balance financing service jointly launched by China Telecom Wing Payment and Minsheng Bank Direct Banking. Tianyibao was mainly produced in the initial stage of business through direct selling bank Ruyibao of Minsheng Bank and Shanghai Bank Shanghai Bank Fund. This product gives full play to the technical, business and credit advantages of operators and financial institutions, integrates payment accounts and wealth management accounts, and enables customers to enjoy the convenience and benefits of Internet finance. Tianyibao is an account balance wealth management service that Wing Pay cooperates with Minsheng Bank and Shanghai Bank, including Ruyibao of Minsheng Bank and Huicaibao of Shanghai Bank (other wealth management products will be added later). Users transfer funds to Wing Pay account, that is, buy Huitianfu Monetary Fund of Minsheng Bank (code: 000330) and Shanghai Bank Shanghai Fund (code: 000542A) to enjoy the investment income of monetary funds. Tianyibao's income comes from the money fund. Monetary fund is a kind of securities with high security and stable income when financial institutions invest in national debt and bank deposits. 20 13 The annualized rate of return of domestic monetary funds on the 7th is about 4.0% on average. Generally speaking, money fund, as a kind of fund product, has the possibility of loss in theory, but from the historical data, the risk of stable income is minimal. The advantages of Tianyi Bao are: 1. The funds deposited in Wing Payment Account can not only be consumed and paid at any time, but also gain income, which is very flexible and convenient. Let's make money and spend money. 2. No subscription is required, and the account balance is automatically managed. 3. Recharge consumption at any time, 7*24 hours a day. 4. Monetary funds are not the same as bank deposits; Investment needs to be cautious, and Wing Pay will always monitor market changes to ensure the safety of funds. Tianyibao mainly invests in money funds, and its rate of return is affected by the openness of funds in the market. In the case of loose funds, the interest rate is relatively low. According to the changes in the macroeconomic market, the income of other baby products in the market is also reduced accordingly. Wing payment only provides purchase channels. Please call Huitianfu Fund Company for detailed investment direction. Note: The service hours of Tianfu Fund Company's customer service hotline are: 8: 30-21:00 from Monday to Friday; Saturday and Sunday 8: 30- 17: 00. Full name of Huitianfu Monetary Fund: Huitianfu cash treasure Monetary Fund is a monetary fund issued by Huitianfu Fund Management Co., Ltd., with the fund code (000330). Monetary funds are mainly invested in short-term monetary instruments, such as treasury bonds, central bank bills, bank time deposit certificates, short-term bonds, corporate bonds, interbank deposits and other short-term securities. Tianyi Bao is a cooperation between Wing Payment and Minsheng Bank, with Minsheng Bank as the promotion platform. The user transfers the funds to the wing payment account, that is, purchases the Huitianfu Monetary Fund of Minsheng Bank and enjoys the investment income of the Monetary Fund. This service is applicable to Wing Payment account users who have passed the advanced real-name authentication of the second-generation ID card (they must be China people * * * and mainland residents who have reached the age of 18). Note: This product is not suitable for handling enterprise-level personal accounts. Free monthly fee. There is no charge for any formalities at present. Tianyibao can be opened through Wing Payment Portal, Wing Payment Mobile Client (Android system and Apple system) and sms channel (Wing Payment users with bank cards can send short messages KTTYB to 1 1888, and harvest fund opens by default. Note: Only openings are accepted. ) handle. Note: Product cancellation is only supported by Wing Payment Portal. When the application is completed in the current month, the product will take effect immediately. You can cancel the product, and the cancellation will be invalid immediately. Note: 1. If Tianyi Bao's account is cancelled and Wing's payment account is not cancelled, the system will still charge the remaining interest the next day. 2. If the Tianyi Bao account and the Wing Payment account are cancelled at the same time, no interest can be charged the next day. When a user opens Tianyibao in another wing payment account of the same ID card, it will make up the interest for the user, and the interest will arrive on the second day after the opening of Tianyibao account. 3. After the user cancels the Tianyi Bao account, he can immediately open Tianyi Bao for another wing payment account under the same ID card. Click on "official website" Customer Service 2 17 below for more service offers.