Its investment targets are monetary (deposits, agreement deposits, short-term financing bonds, etc.). )

Because the target of its investment is a relatively stable (non-principal-guaranteed) product, the principal and interest will be repaid at maturity.

Therefore, if you buy a money fund, it is basically a wealth management product with capital preservation, and finally you get the principal and interest income.

Public offering funds are issued to the whole society. Generally speaking, the approval process of the CSRC is relatively standardized, with high security, low income and low risk.

I Baidu bought Tiantianying financial products, which may be P2P Internet financial products.

For example, if you have money, I am short of money.

You gave the money to Tiantian Win, and the maturity interest rate of this company is 8%.

Then win me money every day, and the interest is 10%.

As an intermediary, it charges a 2% spread (in fact, this is how banks make money) and provides a guarantee.

So if you want to get the principal and interest, it depends on.

First of all, will I pay back the money?

Secondly, if I don't pay back the money, will this company pay your principal and income with its own funds first, and then recover it from me?

There is also a category of "Bao" wealth management products, such as Yu 'ebao and Baidu. Does Baidu have Baidu wealth management or Baidu wallet?

The actual docking is also the money fund.