First of all, why is Yu 'ebao relatively safe?
1, watch the related news first:
As shown in the above figure, it is obvious that Yu 'ebao is a financial platform and docking money fund that provides services for investors. In fact, the Tian Hong Monetary Fund that it docked with does not belong to Alipay, Yu 'ebao, issuance and operation management.
2. Asset allocation analysis shows that Yu 'ebao is connected with the money fund with high security and good liquidity.
As shown in the above figure, the Tian Hong Monetary Fund docked with Yu 'ebao is mainly composed of three parts: bank deposits, accounting for more than half, up to 58.3%. Fixed-income bonds account for 65,438+00,438+0%. Other interbank currency products with high liquidity and high credit accounted for 365,438+0.09%.
Summary: Yu 'ebao is actually the monetary fund of the fund company and does not belong to Alipay.
Secondly, the money fund docked by Yu 'ebao is strong, and the pre-sale, mid-sale and after-sales services are guaranteed:
As shown above, you can clearly see the following points:
1, Yu 'ebao Docking, Tian Hong Fund, and the real custodian is CITIC Bank.
2. Yu 'ebao Docking, Tian Hong Fund, the real fund manager, is Tian Hong Fund Management Co., Ltd.
Summary: Theoretically, the Tian Hong Monetary Fund docked by Yu 'ebao has no direct affiliation with Alipay Yu 'ebao, and belongs to the nature of cooperation.
To sum up: Yu 'ebao is connected with Tian Hong Monetary Fund for financial management.
Therefore, Yu 'ebao's docking with the money fund is relatively safe, and pre-sale, mid-term and after-sales services are guaranteed.
It can be seen that the risks are mainly investment and financial management, marketization, non-guaranteed floating income and low risk.
Recently, Alibaba is really at the forefront, either because Ant Group delayed landing on the science and technology innovation board, or because of antitrust and many incidents. Here, whether the balance treasure will be unsafe has become a concern for everyone. Theoretically, if Alibaba is investigated, Yu 'ebao is also safe.
1, Alibaba is investigated, which affects geometry? I don't think the investigation of Alibaba is a very bad thing. Of course, from a positive point of view, it does have a great impact. Share prices in the secondary market have fallen, and public opinion is everywhere. But from the side, the future will be more conducive to Alibaba's growth and adaptation to the market. The decline of a giant company is doomed to be an opportunity to look forward to the future.
Warren Buffett, the "stock god", once said: "When a powerful big company encounters a huge but solvable crisis, an excellent investment opportunity will come quietly." Although Alibaba's recent performance is worrying, these problems are not fatal after all. There is a high probability that the company will survive in the future, and it doesn't stop there. In other words, Alibaba's investigation is a phased impact, not a long-term impact. In the long run, Alibaba will pay more attention to relevant aspects in the future.
2. Will Yu 'ebao be unsafe? Alibaba and Yu 'ebao are actually two different things and cannot be confused. Because Yu 'ebao plays the role of a link entrance and management, what really has the investment function is the money fund behind it, not Yu 'ebao.
Users put money into Yu 'ebao, but not in Yu 'ebao, but in the money fund behind. The money fund operates separately. Even if Alibaba goes bankrupt, it will not affect its investment, because its investment direction has been fixed at the beginning of the fund's establishment, and it can only invest in the money direction. Although the money fund also has risks, the risks are very low.
So, don't say that Alibaba has been investigated. Even if Alibaba goes bankrupt, Yu 'ebao will not be affected.
Alibaba was investigated and its market value fell below 700 billion overnight.
Alibaba, founded by Ma Yun recently, can be said to be: a wave of unrest, another wave. Ma Yun is also very uncomfortable recently.
The reason is that Alibaba is suspected of monopolizing the market, touching the bottom line of the domestic market and moving the interests that should not be moved. Every year, double 1 1 and double 12 Christmas are the times when the turnover of Tmall and Taobao is the largest. This year, the turnover of Shuang 1 1 Tmall and Taobao has exceeded 500 billion, and it is this one-sided nature that monopolizes the market.
Ali was recognized by the State Administration of Marketing as having monopolistic behavior in Taobao and Tmall.
In recent years, with the development of the Internet, the emergence of major online shopping platforms such as Taobao, Pinduoduo and JD.COM has created an Internet business empire, which has also had a huge impact on China's physical industry as a national economic base.
With the emergence of virtual online shopping platforms, in order to monopolize this market well, these platforms have kept the price of goods to a minimum, so that those entities can survive. It is this unbalanced monopolistic behavior that led to the investigation of Alibaba.
The State Administration of Market Supervision will take strong measures to curb antitrust when it comes to competition. Only in this way can we improve the socialist market economic system, and fair competition is the core of the market economy. In fact, it can be seen that the state does not want Alibaba to go bankrupt, but only let him improve the balance and market.
However, both of Alibaba's two largest e-commerce platforms have monopoly problems, so naturally, the China Municipal Market Supervision Bureau will definitely not allow such a situation to exist, because it will easily break the market balance. Take the e-commerce platform that has emerged in recent years as an example, entities have also been hit hard, and many physical store owners can't do it anymore and switch to other industries.
If these e-commerce platforms continue to monopolize like this, physical stores in China will never prosper. Once the physical store closes down, millions of people will face unemployment, so only the entity is the foundation of a strong country.
In this way, Alibaba will definitely be investigated by the market supervision bureau. Once implemented, Alibaba will have monopoly problems, so it will face a large fine. This fine is estimated to be calculated in billions, otherwise the platform will stop correcting.
With the development of the Internet, people have become accustomed to online payment, and they all like to deposit money in places such as Alipay and WeChat, which is very convenient for us. We can pay the telephone, electricity, water and tickets on our mobile phones, which is very convenient for us, so now our lives can't be separated from these online payments.
This time, Ali encountered such a thing. Many people have withdrawn all the money in Alipay's balance. I'm afraid what if Ali monopolizes the market and can't get the money out?
Don't worry, the money in Alipay is safe and won't exist as everyone said.
Alibaba was investigated because it was suspected of monopoly and had nothing to do with Yu 'ebao in Alipay, which belongs to Tianhong Fund Company. Even if the monopoly of Alibaba is solved, it will only be Alibaba, not Tian Hong Fund Company of Yu 'ebao.
The object of this survey is only Alibaba, not including Tian Hong Fund. As long as it is not the Tian Hong Fund that is being investigated this time, there will be no problem with the balance in Alipay.
So don't worry too much. If those friends are still worried, they can also take out the money and put it in the bank card.
Therefore, everyone should do what they want to do. Friends who are really uneasy can take out their money.