The balance treasure in Alipay is a fund service. Yu 'ebao is a balance appreciation service and current fund management service product under Ant Financial, which was launched on June 20 13. Tian Hong Fund is the fund manager of Yu 'ebao.
2. Yu 'ebao is characterized by simple operation, low threshold and zero handling fee, which is ready to use. In addition to the financial management function, Yu 'ebao can also be directly used for shopping, transfer, payment, repayment and other consumer payments. It is a cash management tool in the era of mobile Internet. Monetary funds are mainly used to invest in securities such as government bonds and bank deposits. When investors buy money market funds, it does not mean that they will deposit the funds as deposits in banks or deposit-taking financial institutions. The fund company does not guarantee that the fund will be profitable, nor does it guarantee the minimum income.
3. Using Yu 'ebao can make money while saving money, which is a good financial management tool. For example, in the past, some wealthy businessmen were particularly rich, so it was particularly inconvenient and unsafe to keep them at home. At this time, businessmen deposit their money in the bank. The significance of the existence of banks is to facilitate people to deposit and withdraw money. In order to attract public deposits, we can get cash for depositors in time, so that depositors can get interest from banks, which can not only save money conveniently, but also generate income, killing two birds with one stone. However, the interest earned by bank deposits is divided into time deposits and demand deposits, that is, the interest rate of time deposits is high and that of deposit interest rate is low, which leads some people to choose time deposits if they want to get high interest rates. Once you choose this deposit method, if you need money urgently one day and can't withdraw money before the date of time deposit, it means you can't use money and need to borrow it from others. It's very distressing! The appearance of Yu 'ebao just made up for this deficiency. With Yu 'ebao, people can not only manage their money effectively, but also get higher interest. If you want to see the specific income of Yu 'ebao, as long as you enter the main interface of Yu 'ebao Finance, Yu 'ebao will always display its "7-day annualized rate of return".
4. Yu 'ebao has good liquidity, which is very convenient and fast for the transfer, transfer and consumption of your money. At present, with the development of e-commerce, many users choose online shopping, which is both light and fast. Yu 'ebao relies on Alipay platform for real-name authentication. For example, JD.COM and Tmall can directly bind Yu 'ebao when paying.