Through Yu 'ebao, users can not only get income, but also pay and transfer money at any time, which is as convenient as using Alipay balance. Users can purchase wealth management products such as funds directly on Alipay website, and the funds in Yu 'ebao can also be used for online shopping, Alipay transfer and other payment functions at any time. The funds transferred to Yu 'ebao shall be confirmed by the fund company on the second working day, and the income shall be calculated for the confirmed share. The essence is a money fund, and it is still risky.
Features of Yu 'ebao products:
You can get a certain income by transferring to Yu 'ebao. Support Alipay account balance payment, savings card (including one card) funds transfer fast payment. There is no handling fee. Through the "balance treasure", users can not only get the "interest" of the remaining funds in Alipay, but also get higher income than the interest of bank demand deposits.
Product risk:
1, market risk
2. Competitive risk
3. Dispute risk
4. Regulatory risks
According to the central bank's regulations on the management of third-party payment platforms, the balance of Alipay can be used to purchase agreement deposits, and there is no clear regulation on whether funds can be purchased. Yu 'ebao's practice of realizing the fund sales function with the help of Tian Hong Fund is playing a marginal role. From a regulatory point of view, Yu 'ebao is illegal. Once the regulatory authorities attack, Yu 'ebao may be stopped.
5. Risk warning
Cases of fraudulent use of netizens' unfamiliarity with Yu 'ebao business have occurred from time to time, and Changshu Happiness Police Station accepted a case of fraudulent use of Yu 'ebao.
References:
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