Yu 'ebao belongs to the money fund, and the money fund has not lost several times in the world. Just take safety precautions.
: risk analysis
Money market risk: the income of 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.
Risks of competition with banks: In fact, Alipay launched Yu 'ebao to improve users' viscosity, attract users' idle demand deposits to Alipay's Yu 'ebao, and facilitate users to shop on Taobao, which will endanger the interests of banks to a certain extent.
Controversial risk: Yu 'ebao did not remind users of the investment risk of money funds. Once the users of Yu 'ebao have income disputes, it is difficult to avoid legal disputes, and the resulting impact is difficult to estimate.
Supervision: According to the regulations of the central bank on the management of third-party payment platforms, the balance of Alipay can purchase 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.