The cancellation of Internet deposit service by many online platforms is considered as a disaster of online finance, and some people are even spreading rumors that Alipay is going to die. This is all based on a misunderstanding of this incident.
Many people regard the interest earned by Alipay and Yu 'ebao as online deposits, but this has nothing to do with internet deposits. Because Alipay is the third party's own protection platform, it is also the transit and supervision platform for shopping funds. Yu 'ebao is an out-and-out wealth management product. When opening Yu 'ebao, there will be relevant instructions for opening Tian Hong Fund, but this fund is a flexible fund product created by Alipay, which can be accessed or paid at any time.
Some people think that saving money on the online platform can earn interest, so they regard it as an online deposit. I'm worried that the internet depository business of all platforms will be off the shelf, and I will lose everything in Alipay. This is purely alarmist. The amount of deposits involved in Alipay is probably comparable to all other Internet financial platforms. The amount of funds is huge, which can be said to involve the interests of hundreds of millions of people, so even if there is any problem, it will be taken over and it will not be unsafe.
As for funds, don't worry, because funds are wealth management products, not deposits. It has nothing to do with the category of this shelf. Alipay has never taken off its own fund. Don't you open the balance treasure to see if the funds are safe? Isn't there an advertisement to buy a fund in the following push? So just feel at ease. This storm only involves the Internet deposit business, and nothing else.
Hello friends, first of all, correct the ambiguity in the title: in fact, it is Alipay, including some big platforms and banks. In order to meet the compliance requirements, Internet deposits will be removed and interest-bearing products will be blocked.
A very clear reply: 1, deposit products are removed from the shelves, which has little impact on the fund. 2. The new security is determined in many aspects, and his follow-up service is provided by the fund company, which is reassuring.
First of all, Alipay, including online deposits from other platforms, has little impact on the fund by blocking interest-bearing products:
1, block interest-bearing products, and online deposit products belong to the deposit category. This clean-up has a clear scope.
2. Fund products belong to investment and wealth management, which are different from deposit products and are not affected.
3. Whether it is Alipay or other platforms, the displayed fund products are all from fund issuing companies. Fund operation management and after-sales services, such as subscription and redemption, are all undertaken by the corresponding fund companies. These platforms are only cooperative relationships, while fund issuers have multiple sales and service channels, and the rights and interests of fund holders and buyers are guaranteed.
As shown above, this is some money in Alipay. It can be clearly seen that the names of these funds actually imply that some of his issuers have no affiliation with Alipay.
Summary: The fixed-term funds held in Alipay, including other platforms, are guaranteed after sale.
Second, know whether the fund is safe:
1, the funds shown in Alipay are all from formal and credible financial companies, which are legal and compliant, with clear supervision and strict screening. At this point, they are at ease.
2. Funds have different risk levels.
As shown in the above figure, the risks of different types of funds are different. Investors are advised to know more about it, which is conducive to a more reasonable collocation.
It belongs to non-guaranteed floating income. From this point of view, choosing a highly adaptable fund, planning investment scientifically and reasonably, and choosing a suitable investment method, such as fixed investment, is very conducive to diversifying investment risks.
Summary: The funds in Alipay are formal and credible. Through reasonable planning and matching, it is more conducive to diversifying risks to choose scientific investment methods and methods.
To sum up: Alipay is removed from the shelves, mainly for online deposit interest-bearing products, in order to meet compliance requirements. And not only Alipay, but also some other big platforms and banks will be removed.
The money in Alipay is just a display. These funds are formal, credible and strictly regulated, and the corresponding issuing companies will provide perfect pre-sales, mid-sales and after-sales services. Peace of mind.
Fund investment should be scientifically planned and matched as a whole. Reasonable and optimized investment mode is the key to risk diversification.
Here you confuse the two concepts. Alipay is Alipay, and the fund is a fund, which is completely different. To put it simply, Alipay here is just a platform for buying and selling funds. It has fallen off the platform, but it can still be traded in other places. For example, if you go to a Nike store and buy a pair of shoes, the store will be closed for a while, but you can continue to buy them in other Nike stores.
Therefore, you don't have to worry about Alipay's off-shelf deposit products. You can also buy and sell funds or related products of major brokers.
The fund is not off the shelf, only the money is off the shelf. Have you made it clear?
Scared me to death. I invested in funds and gold in Alipay, and the balance treasure has more than10 W. What if you have a heart attack?