Alipay's formal financial management and funds are relatively safe investment methods, which are provided in cooperation with formal companies or institutions that have obtained third-party payment licenses issued by the CSRC, without worrying about operational risks.

In addition, in terms of income, regular financial management and funds have certain risks. If you want the principal to be safe, you'd better buy low-risk or capital-guaranteed regular financial management, such as the structured deposit provided by Langfang Bank and the Happy Deposit No.2 of Huarong Xiangjiang Bank.