1, increasing the cash ratio. In order to prevent the occurrence of risks, Yu 'ebao increased the proportion of cash, resulting in a decrease in investment funds and an increase in bank deposits. So this situation has led to a decline in income.

2. Yu 'ebao has been upgraded. Yu 'ebao began to access Tian Hong Monetary Fund, and then gradually accessed many funds such as Central Europe, Bosera, Huaan and Cathay Pacific. After access, it has a certain diversion effect on Yu 'ebao's own funds. Therefore, in a period of time, the newly accessed funds will not generate income quickly, thus lowering the overall income of Yu 'ebao.

3. The whole money market is depressed. Since 20 18, not only the income of Yu' ebao has declined, but also the income of other money funds. Yu 'ebao is essentially a category of monetary fund. Therefore, affected by the market, the income of Yu 'ebao has declined.

：

1, Yu 'ebao is a balance appreciation service and demand fund management service product under Ant Financial, which was launched on June 20 13. Tian Hong Fund is the fund manager of Yu 'ebao. Yu 'ebao is connected with Yu 'ebao Monetary Fund under Tian Hong Fund, which is simple to operate, low in threshold and free of handling fee. 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. Yu 'ebao is still the largest monetary fund in China. 2065438+On May 3rd, 2008, Yu 'ebao newly accessed two money fund products, namely "Boss Cash Income Currency A" and "China-Europe Rolling Qian Bao Currency A", which are owned by Boss and China-Europe Fund Company.

2, 1 yuan to buy, but also regular financial management-Yu 'ebao was born in 20 13, which is widely regarded as the first year of Internet financial management for China people, and Yu 'ebao has become the most typical representative of inclusive finance. One year after its launch, it has not only made tens of millions of people who have never been exposed to financial management germinate their financial awareness, but also activated the technology and innovation of the financial industry and promoted the process of market-oriented interest rates. Yang Chi, a researcher in the Development Research Department of Huaxia Bank, said that the emergence of Yu 'ebao not only meets the growing demand of residents for asset allocation, but also supplements the existing investment products, which not only improves the financial income, lowers the financial threshold, but also awakens the public's financial awareness. Wu Xiaoqiu, director of the Institute of Finance and Securities of China Renmin University, said that the core contribution of Yu 'ebao is to build the wealth of surplus funds and establish the approximate scale of market-oriented interest rates, which is conducive to promoting the marketization of interest rates.