risk 1: centralized redemption risk

on December 14th, 216, it was reported that a large fund company's money fund with a scale of over 6 billion broke its position, and the company had to pay 6 million yuan. At that time, companies with large money funds were "afraid for themselves". Twelve fund companies including Huaxia, Yifangda, Yin Hua, Boss, Tianhong, Shangtou Morgan, Huabao Xingye, Guangfa, Jianxin, BOC, Nanfang and Xingye all denied rumors to relevant media.

risk 2: risk of income loss

Yu 'ebao was born in a good era, when the market was in a "money shortage", so its income could also go up all the way. It easily broke through 6% in just one week, and at the beginning of 14 years, it created the highest income in history-6.738%. However, then the income of Yu' ebao began to decline all the way.

according to the monitoring data (February 17-February 13), the average annualized rate of return of Yu' ebao was 3.639% in 7 days, and it once fell below 3% some time ago. In a certain period of time, the income of Yu 'ebao will also rebound briefly, usually at the end of the month, the end of the season, the middle of the year and the end of the year.

In addition, on the surface, Yu 'ebao's investment portfolio is scattered, including bank deposits, settlement reserves, interbank certificates of deposit, policy financial bonds, etc., but bank deposits account for as much as 8%. It is no exaggeration to say that Yu 'ebao's main business comes from banks. In a sense, the investment channels are relatively simple. Once the banking business is not well managed or the peers (Yu 'ebao and banks) compete excessively, it will bring profit risks.

In p>213, Jiao Jinpu, then director of the Financial Consumer Rights Protection Bureau of the People's Bank of China, bluntly said: Yu 'ebao is a fund product, and there is the possibility of losing money. In 26, it was a mess. If Yu 'ebao has problems, who will cover the bottom?

risk 3: account security risk

in the process of using Yu' ebao, there will also be certain risks. For example, some users said that they had transferred a large sum of money from Yu' ebao before, but they did not receive any notice. After careful study, it was discovered that the "balance change notice" button was accidentally turned off. If I encounter a stolen number, I can't find it in time and stop the loss. It's too unsafe.

Account security is also one of the potential risks of Yu 'ebao. Yu 'ebao is bound to Alipay. Once Alipay is stolen, Yu 'ebao will be unsafe. Since the launch of Yu 'ebao, the phenomenon of stealing brushes and missing money has occurred frequently.

risk 4: legal and regulatory risks

the most unpredictable are legal and regulatory risks. This is the risk faced by all innovative Internet financial products.