1. Generally, the money in the Tim Jinbao card will be collected into the fund account within one or two days, before being collected into the bank, and then collected into the fund company. But the total is your available balance, which you can use at any time. \x0d\2。 The word financial management is broad, and capital is also one of the ways of financial management. If you mean bank wealth management products, then Tim Jinbao is not. \x0d\3。 Theoretically, all funds are not committed to capital preservation, but in the China market, the probability of capital preservation is extremely low. Generally, there is only a comparison of income levels, and there are few cases where the principal is not guaranteed. Most domestic cargo bases are for interbank borrowing. If there is a big risk in the cargo base, it means a large-scale bank default and the economic crisis is extremely serious. This phenomenon is obviously impossible under the present circumstances.