What can be done is to minimize this risk.

Yu 'ebao is also a fund product, but it is a fund promoted by Alipay. Since it is the main push of Alipay, Alipay will definitely work hard on security. Now Alipay has also increased the protection insurance (I only asked for 88 cents after playing a face value game), which can guarantee the amount within 1 10,000. That's good.

Moreover, Yu 'ebao is easy to use and has more income than banks. You can walk several blocks from the bank, and it takes minutes to earn a balance of less than 50 thousand.

These are all product risk issues, as well as theft.

It's really hard for bad guys to steal your balance treasure now.

First of all: you need a login password.

Second: you need to pay the password.

Third: need text messages.

Fourth: Different mobile phones also need your fingerprints.

Fifth: log in with your mobile phone model very much and send text messages to your mobile phone.

Sixth: face recognition

Maybe there is. That's probably I don't know.

Generally speaking, Yu 'ebao is relatively safe compared with other products.

If you are worried about the safety of Yu 'ebao, you can spend two yuan to buy an account insurance in Alipay. These two yuan can guarantee a one-year coverage of 1 10,000, which can guarantee the safety of your Alipay, Yu 'ebao and others.

If you are not at ease, you can download money shield produced by Alibaba, which can protect your funds and payment security.

Of course, it is the safety of funds, and more importantly, some personal safety awareness and usage habits. In the case of buying account insurance, then your assets should be safe.

First of all, Brother Lion wants to ask you, is it safe to deposit 200,000 yuan in the bank? Everyone will answer like this, of course, it is safe. What I trust most is the bank. If the bank card has a password, the loss of funds is safe. We believe that bank security is of course that all our bank cards have protection passwords, and this password is only known to ourselves. Similarly, if we deposit 200,000 yuan in Yu 'ebao and take safety protection measures, our funds will be safe. Anyway, Brother Lion put all his money in Yu 'ebao and never worried about safety. He still earns some money every day (but Brother Lion tells you in a low voice that the funds in Brother Lion's balance treasure are only three figures at most, hehe). Do a good job in security measures. Even if Alipay is stolen and the mobile phone is lost, he is not worried about the security of funds in Alipay.

1. Set fingerprint/gesture unlock.

Open Alipay and click My-Settings-Security Center. After entering the security center, click the fingerprint/gesture to unlock it. You can choose "when you enter Alipay" or "when you enter mine". You need a fingerprint password or a gesture password, and then follow the instructions on the screen. This is the first protection.

2, open the brush face login

Open the brush face to log in, instead of the account password to log in, the password is stolen, and others can't access your Alipay. Everyone's facial biological characteristics are unique, just like fingerprints, no two people's fingerprints are the same in the world. Brush face security check is safe after expert argumentation. This is the second protection.

3. Install the digital certificate. Improving the payment limit of single-day balance and account security is the third guarantee.

4. Set the lock screen password of the mobile phone and the PIN code of the mobile phone card (SIM card). With the lock screen password and PIN code, the mobile phone is lost. The thief restored the mobile phone to the factory settings and could open it, but the data inside was emptied. Because of the protection of PIN code, thieves can't use our mobile phone card, they can protect personal information such as address book in the mobile phone card, and they can't use our mobile phone card to receive verification code, so our Alipay account is safe. This is the fourth protection.

While Alipay quickly occupied the China market, all kinds of questioning voices never stopped. Everyone is most concerned about safety. Putting aside the related issues of money, is it safe to save 200,000 yuan?

So before answering this question, I think you should have the following questions in mind:

Who is the big brother behind Yu 'ebao? Is it reliable?

What is the interest rate of Yu 'ebao? What are the advantages?

Is Yu 'ebao easy to be stolen?

Is Yu 'ebao really as safe as a bank? Does that mean I can put all my bank deposits in Yu 'ebao?

Ok, then I will analyze the security of Yu 'ebao from the following aspects. I believe some questions will be answered after reading them.

1. The anti-theft angle of Yu 'ebao itself

When Ma Yungang started to implement Alipay, he once said that Alipay should be made into everyone's bank. Since the slogan of "Everyone's Bank" is shouted, Alipay will definitely work hard on security, and Yu 'ebao will pay more attention to the security performance of Alipay's main fund.

First of all, Alipay has increased the amount that can be guaranteed by protection insurance within 1 10,000, which is deeply loved by large deposit users on Yu 'ebao. After all, security insurance will make users feel more at ease. Secondly, the account security of Yu 'ebao itself (easy to steal numbers). In fact, it is really difficult for bad people to steal your money from Yu 'ebao. Let's take a look at the specific process:

First of all: you need a login password.

Second: you need to pay the password.

Third: need text messages.

Fourth: Different mobile phones also need your fingerprints.

Fifth: log in with your mobile phone model very much and send text messages to your mobile phone.

Sixth: face recognition

Not to mention how long it takes to crack this phone, even if a cow can crack all your passwords, it is estimated that it is not as long as you directly use Alipay customer service to freeze your account.

So in general, compared with other products, Yu 'ebao is still very safe from the perspective of its own anti-theft.

2. Yu 'ebao is analyzed from the perspective of investment.

A, 200,000 yuan is deposited in Yu 'ebao (200,000 yuan is only a part of the investor's property).

Anyone who should know a little about the investment concept will understand that as long as it is an investment, there will be risks. There is no 100% risk-free investment, but we can choose the investment with the lowest risk. Behind Yu 'ebao is Tian Hong Yu 'ebao Fund.

It is a money market fund and a very low-risk variety of securities investment funds. However, the annualized income of the IMF in its domestic market has never been negative. Monetary funds are mainly used to invest in securities with high security and stable income, such as national debt and bank deposits. On the whole, money fund, as a kind of fund product, does have the possibility of loss in theory, but from the historical data, the risk of stable income is minimal. On risk, stock fund savings, the safest fund, is close to savings, but the income is higher than bank savings (the basic annualized rate is close to 4). Therefore, it is safe to deposit money in Yu 'ebao, and it is also convenient to withdraw cash. (Now the balance treasure has been adjusted to 6,543,800+,with different bank limits).

B, 200,000 yuan is deposited in Yu 'ebao (200,000 yuan is all the investors' funds).

In fact, safety is always a relative value. Although investment is risky, the most effective way to avoid risks is not to put all your eggs in one basket. Although the security mechanism of Yu 'ebao is still very high, it is a reasonable way to invest some funds in Yu 'ebao, but don't invest all your assets. After all, Ali is just a private enterprise. Lehman Brothers Bank at that time had a history of hundreds of years. (established in 1850) The world's first investment bank, said it would go bankrupt if it went bankrupt. The financial industry itself is an industry that is easy to bubble, so everyone still invests reasonably. It is not recommended to put most of the funds into Yu 'ebao or allocate them reasonably according to personal risk tolerance.

I'm glad to answer your question. The problem that Baoan's deposit balance of 200,000 yuan is unsafe has different interpretations from different angles.

From a security point of view, as long as you put this 200,000 on a platform other than a bank to earn income, it is not safe. Because there are no financial products with guaranteed capital on the market, this means that all financial management is risky. From this perspective, Yu 'ebao is not necessarily safe, because it is also a wealth management product with risks.

But from the perspective of financial management, all financial management is risky. After all, nothing ventured, nothing gained. Unless you are willing to deposit your money in the bank to earn some interest. However, the key to financial management is to control risks. If the risk is well controlled, there is basically no risk. There is a money fund behind Yu 'ebao, which can be said to be the least risky fund among all financial management methods, and the money fund behind Yu 'ebao is the largest money fund in China. From this perspective, Yu 'ebao is very safe. Take ten thousand steps back. Even if something happens to Yu 'ebao, Ali and Ma Yun will help you. So, in this case, it is absolutely no problem for you to put 200,000 yuan in the balance treasure.

Now the balance treasure has been adjusted to 654.38+ 10,000 yuan! On the 6th of every month, when the sesame reputation score is published, many people begin to dry the score chart again. People who can't afford the score chart should not be pessimistic. We can bask in the income chart of Yu 'ebao! However, many people are also worried about this question: Is it safe to deposit hundreds of thousands of yuan in Yu 'ebao? This question is very meaningful. Sure enough, in addition to caring about income, safety and danger have always been the "points" we attach importance to.

Let me analyze whether it is safe to deposit money in Yu 'ebao!

First, the true characteristics of Yu 'ebao

Last year, the "second generation" of Yu 'ebao was scolded by Ma Yun's fans, but in the new year, Yu 'ebao users enjoyed a long-lost rate of return, and Tian Hong Yu 'ebao, known as the "base of domestic products", broke 3.6% in the new year. Until today, the yield of Yu 'ebao is as follows:

Many users have said that they want to exhaust the power of the wild to participate in the camp of Yu' ebao!

But in fact, Yu 'ebao has restrictions on the amount of funds transferred by users, which does not exceed 50,000 yuan in a single day and 654.38+10,000 yuan in a single month, but the amount is also related to the card issuer used by users.

For example, the rules of ICBC are a single 5000 yuan, a single day 50000 yuan, a single month 50000 yuan; The single amount of CCB is 6.5438+0 million, 50,000 per day and 6.5438+0 million per month. If you feel that the quota is small, the user can choose to change the card transferred to the fund to change the quota:

Some people in the public who are crazy about Yu 'ebao are not curious: the income of this Yu 'ebao is enviable, but is it really safe? Good loan analysts have to tell us about the "real scenery" of Yu' ebao first.

On June 20 13, we Ma Yunba launched the balance appreciation service and current fund handling service under Ant Financial-Yu 'ebao.

Yu 'ebao is connected with Zenglibao Monetary Fund under Tian Hong Fund. With its simple operation, ready availability and low threshold, Yu 'ebao has become a highly anticipated cash processing tool in the era of mobile Internet, and has also become the largest monetary fund in China, and has been called "the base of domestic products" by the general public.

Since it exists as a money fund, the safety factor is easy to compare, and the risk index is compared: the risks of stock fund savings, money fund and savings are similar, but the income is obviously higher than savings, which is why Yu 'ebao is deeply loved by the broad masses of the people!

Second, what do others think about the safety of Yu 'ebao?

Due to the increasing audience of Yu 'ebao, "deposit outflow" has also become an extremely hot topic in the financial industry. The world has different opinions on Yu 'ebao, but the banking industry is unwilling to be annexed. In the bank statement, Citibank compared money market fund products such as Yu 'ebao to rats in the bank's "granary". The quota set by many banks for Yu 'ebao is actually a "current-limiting" method adopted by banks for Yu 'ebao. The bank said that this action is aimed at

The account manager of a state-owned bank said that setting a limit for the transfer of funds to Yu 'ebao is an inevitable way to deal with the phenomenon of bank deposits moving; ICBC and ABC said that the purpose of limiting the quota is to reduce the frequency of theft and maintain the safety of depositors' funds.

Some banks just want to "kill the spirit of Yu 'ebao" and don't expect Yu 'ebao to become the only window for people to settle deposits, so as not to develop into a situation in which bank deposit affairs exist in name only.

According to i query, not only Yu 'ebao was "squeezed out" by the policies of many banks, but also the transfer quota of WeChat Wealth Management was "squeezed out" by banks, and many banks such as ICBC, Minsheng and China Merchants Bank released their own transfer quotas. I can't help but guess that this action is similar to Yu 'ebao's "strategic encirclement and suppression". The security of Yu 'ebao is worth thinking about, but the deeper intention is to keep the orthodox position of the bank for many years.

Although the safety factor of Yu 'ebao itself is not a criticized black spot, from the perspective of anti-theft brush, it is still very dangerous to rely on Yu 'ebao for profit. Remember the frequent thefts at the end of the year? There are still many dangerous questions about wealth management products such as Yu 'ebao. Some netizens said that in the process of saving money to Yu 'ebao, the original deposit of Yu 'ebao was accidentally gone, but netizens didn't know the money you lost. Will Ma Yunba make full compensation?

Third, my opinion.

I also like the high income of Yu 'ebao. Good birds choose to live in trees. If they are all relatively safe, we must resolutely choose the combination of "safety+high income".

However, there are certain risks in all capital contributions. After all, Yu 'ebao is not a bank, and the income deposited in Yu 'ebao is not interest. In addition to the problem of stolen brush caused during operation, the danger of Yu 'ebao itself is small enough to be comparable to that of savings, so Yu 'ebao should be treated in two, and the combination code and mobile phone must be kept well during application.

Alipay is usually the maintenance of buying and selling passwords, gesture passwords and SMS verification. Even if the technology house steals the mobile phone and password, we can also seek the loss report and title of the paid treasure customer service before it is stolen. Don't click unknown links, don't watch phishing websites, and don't touch wireless networks in public spaces. Only by taking safety measures can we nip in the bud.

Moreover, PayPal also launched a secure transaction (2 yuan/year), where users can claim compensation after their money is stolen, and PayPal usually pays in full first, which really makes us feel at ease.

In addition to its high income, high security and claim settlement method, Yu 'ebao can win the voice of ordinary people because of its sensitivity and the function of online banking, but the income from bank time deposits is as convenient as demand deposits.

If anyone is worried about safety, I suggest putting eggs in different baskets and putting a small amount of money in Yu 'ebao, which is convenient and cost-effective. More money can be used for bank financing, and it can also spread the danger ~

Yu 'ebao corresponds to Tian Hong's Yu 'ebao Fund, which belongs to the money market fund and is a very low-risk variety of securities investment funds. However, the annualized income of the IMF in its domestic market has never been negative.

In other words, from the perspective of investment alone, it is definitely safe to put money in Yu 'ebao, but the income is not so high.

The only thing you need to ensure is the security of your Alipay account, improve the security level of the account, bind the mobile phone according to the real name authentication, don't set the password as simple as that, set the secret protection problem and open the dynamic password of the mobile phone. Once the security level of the account is improved, there is basically no risk.

To say the least, if you are still worried that your account will be stolen and your money will be transferred, then you can buy Alipay security insurance, which is very cheap. It seems that 2 yuan is guaranteed.

I don't know if it's safe to put this money, but I've been thinking that it's not safe to put it here. The interest on deposit in the bank is too low.

Since the regulatory authorities promulgated and formally implemented the new asset management regulations, all wealth management products will no longer protect the principal and interest. As a wealth management product loved by the public, Yu 'ebao is essentially a money fund and is naturally affected by the new regulations.

The money fund has the characteristics of quasi-"savings" with high liquidity, high security and relatively stable income. In theory, there is no commitment to protect the principal, but in practice, there are few precedents for monetary funds to lose the principal.

Yu 'ebao is a wealth management product under Alipay. Since its listing in June, 20 13, it has been trusted and supported by users. After just a few years of development, it is now the largest monetary fund in the world, with a scale of 1.86 trillion US dollars and more than 470 million users. At present, Tian Hong Fund and six large domestic fund companies, including Huaan, Bosera and Guotai, are responsible for management and sales. In addition to the original Tian Hong Fund, the rest of the new online funds can be used as you buy them, regardless of time and quota.

It can be said that the monetary funds of several fund companies of Yu 'ebao are all selected after careful consideration of their past performance, risk control and technology, which fully conforms to the fund screening mechanism of Ant Financial. You don't have to worry about the safety of these fund companies.

At present, the upgraded Yu 'ebao has not brought higher income because of expanding fund selection opportunities, but has declined. At present, the annualized rate of return of Yu 'ebao is basically between 3.5 and 4.0%.

As one of the most important business segments of Ant Financial, Yu 'ebao is also a financial product that Ant Financial practices the important concept of inclusive finance service. Although the yield of Yu 'ebao is low now, it is still much higher than the bank's savings interest income. It is still a trustworthy financial product for ordinary people. You can invest with confidence!

There are many unsafe problems in Baoan balance. At present, the annualized rate of return of Yu 'ebao in seven days is less than 3%, and I am not interested in saving Yu 'ebao, but if I put my money in Yu 'ebao, the risk is relatively low.

Yu 'ebao is essentially a monetary fund, so it is called Yu 'ebao because it is easier to understand. The money fund looks a little profound and produces a sense of distance, and Yu 'ebao seems to be easy to accept.

Money funds invest in money market instruments with good liquidity, such as certificates of deposit with a maturity of less than one year and central bank bills. Is this standard 100% safe? According to the law of uncertainty, it is risky, but in reality, the degree of risk can be ignored.