Yu'e Bao is relatively reliable. Although it is not as safe as a bank, it relies on Alibaba's strong financial strength to ensure that major problems are unlikely to occur, making it safer than other financial products.

Yu'e Bao belongs to a monetary fund, and there are very few monetary funds in the world that have lost money.

Just do a good job of security and prevent account theft.

: Risk analysis Money market risk: The income of monetary funds is not fixed, and the same is true for Yu'e Bao. If the money market performs poorly, the income of monetary funds will also decline. The income of Yu'e Bao comes from the income of the money fund market, not

Pay with Ali-Pay.

Risks of competition with banks: Alipay’s launch of Yu’e Bao is actually to increase user stickiness and attract users’ idle current deposits to Yu’e Bao in Alipay, making it easier for users to shop on Taobao. This will endanger the interests of the bank to a certain extent.

Dispute risk: Yu'E Bao does not remind users of the investment risks of monetary funds. Once Yu'E Bao users have a dispute over earnings, legal disputes will be difficult to avoid, and the resulting impact is difficult to estimate.

In terms of supervision: According to the central bank's regulations on third-party payment platforms, Alipay balances can be used to purchase agreement deposits. There are no clear regulations on whether funds can be purchased.

Yu'e Bao's approach of leveraging Tianhong Fund to realize its fund sales function is an attempt to cut corners.

From a regulatory perspective, Yu’e Bao is not legal.

Once the regulatory authorities take action, Yu'E Bao may be suspended.