Alipay is a third-party payment institution, its function is limited to payment, and it cannot absorb public deposits. How can I save money on Alipay? Therefore, saving money here does not refer to real deposits, but should refer to purchasing wealth management products at Ant Wealth through Alipay App.
Alipay's parent company is Ant Financial, which has an ant wealth, so it has the right to sell wealth management products. Pay attention to sales, not distribution, and earn sales service fees or commissions, whether it is to buy Yu 'ebao or other regular wealth management and funds.
Therefore, it is impossible to deposit 1 million on Alipay, because the money on Alipay can only be deposited as a balance, that is, a reserve fund, which does not generate interest. Who would be stupid enough to put $65,438+0,000 in a place with no income? There is still 0.3% interest on bank demand!
However, many people understand Yu 'ebao as a product of Alipay or even a deposit product provided by Alipay. This understanding is wrong. First of all, Yu 'ebao is not issued by Alipay. Secondly, Yu 'ebao is connected to multiple money funds. It is a wealth management product, not a deposit, and it has corresponding risks.
If the phrase "save millions on Alipay" refers to the financial management on Alipay App, then many people save millions in Alipay, but it is usually not limited to investing in a single product. For example, they will save some money in Yu 'ebao and buy some fund products with regular financial management and various risk types.
How is the income? Financial management, high risk and high income. Everyone's risk tolerance is different, the investment target will be different, and the income will naturally be different. However, if all the money funds connected with Yu 'ebao are purchased, the annualized income of the money funds will only fall below 2%, and the income will naturally be poor.
Someone must have invested millions in Alipay, which is quite a lot.
The popularity of electronic payment, such as 1, Alipay and WeChat, makes it a necessary means of our daily payment, and its application range is very wide, including buying daily necessities, buying a house and a car. Many private enterprises and self-employed individuals have also opened corporate Alipay accounts, which can collect and settle accounts conveniently and quickly through Alipay, eliminating the formalities of online banking transfer.
2. Alipay is bound to our bank card, and all expenses are current deposits in the bank card. The annual interest rate of bank demand deposits is 0.35%, which is five times lower than Alipay's current annual interest rate of 1.73%, and its liquidity is the same as that of demand deposits, but Alipay's annual interest income is higher than that of banks by 1.38 million yuan.
3. Compared with Alipay, the security of banks is definitely higher than Alipay. What you said about the secret operation of bank tellers is extremely unlikely. As long as it is not fooled by the bank marketing staff, it is no problem to check the deposit documents before signing. Alipay is also very secure, but after all, it is a mobile phone operation, which is affected by mobile phone loss or mobile phone virus. Alipay's interest rate is the annualized rate of return on investment in the money fund, but the money fund will basically not lose money, but the interest rate fluctuates due to market influence, and it is impossible to return to the original annualized rate of return of 6%. Alipay's interest rate has dropped below 2%, a record low.
4. Comparing the income of bank deposits with that of Alipay, except that the income of demand deposits is lower than that of Alipay, many banks' time deposits are higher than that of Alipay, and the 1 year time deposits of the five major state-owned banks are higher than that of Alipay, not to mention the three-year and five-year time deposits.
If you don't move funds, you can manage your money in batches, improve the income of funds and reduce the risk of funds. 6 million funds are divided into different amounts of bank financing, and it is not recommended to deposit them in Alipay.
1. For large deposits of state-owned banks or large joint-stock banks, the interest rate of 200,000-300,000 yuan can reach more than 4%, accounting for 50% of the capital investment of 5 million yuan. It's best to deposit it in different banks several times to avoid too much money and black-box operation.
2. For electronic deposits in private banks, the current interest rate can reach more than 3% and the fixed interest rate can reach about 5%. Electronic bank deposits in private banks, like ordinary bank deposits, are paid within 500,000 yuan 100%. The electronic deposit introduced by private banks is a new thing, and its acceptance is not high. You can consider depositing 6,543,800+in several banks, each with no more than 500,000, so that the funds are safe and secure, and the income is greatly improved.
There must be, but it's hard to count how many people there are.
Why do you say that someone must have saved millions in Alipay? Because after so many years of development, Alipay is no longer a single Yu 'ebao monetary fund.
Now Alipay has developed into a comprehensive financial platform, with not only a variety of monetary funds to choose from, but also other funds, financial products and even insurance.
Look at the problem of the topic, mainly worried about the security of Alipay. I don't think it's necessary to worry too much.
The security of Alipay is guaranteed. Alipay is a big platform, and the annual expenditure on technology is astronomical. Ma Yun also said on many occasions, "If you dare to pay, I will dare to pay. Preparing hundreds of millions every year is for Alipay, but it has been useless. " And frankly, the bank card is technically flawed, but Alipay dares to say that your money was stolen on Alipay, and I dare to pay for it.
With such confidence, I have to say that Alipay has made great efforts in security performance, otherwise it would not be so leisurely.
Ma Yun also vividly said that the protection of traditional banks is like bulletproof vests, layer after layer, and finally he bears a great burden. But Alipay's protection is not to let the killer enter within 500 meters. And frankly speaking, Alipay has more than 100 criminal behavior experts and criminal investigation experts.
Therefore, if the topic is really for security reasons, there is really no need to worry. If you deposit 6 million cash in Alipay, even if something goes wrong, as a platform, Alipay will definitely pay.
6 million is an astronomical figure for us personally, and it is a lifetime's hard work, but for a big company like Alibaba, it is just a small amount of money, and it is entirely dependent on ability to pay the bill. Such a big company will not ruin the reputation of millions.
A lot. There are many around. The year before last, I learned about the fixed investment, and then I set up automatic, and I accidentally saved so much …
As the two leading companies in the third-party payment market, the number of users of Alipay and WeChat payment has exceeded 654.38 billion. With such a huge user group, it is natural that some people will deposit millions or even tens of millions on Alipay. Of course, only Ant Financial has exact data for this data.
In all fairness, Alipay now surpasses WeChat payment in giving users a sense of security and trust. This is related to Alipay's previous development model and non-social fission marketing. In addition to Alipay's ecological layout, all aspects of life cover Alipay payment and fast payment.
As one of the most popular financial management methods for young people, Alipay provides a more convenient platform for many young people who don't understand finance. Personally, I distribute most of my funds in Alipay financial management, including buying certain gold and index funds, as well as short-term turnover of regular financial management. Personally, I think Alipay is more convenient than mobile banking to some extent.
Therefore, based on the above judgment, I personally think that there must be people with more than one million or even ten million deposits on Alipay, because there is no upper limit on the deposits of Alipay. In particular, Alipay has also opened company accounts, and it is very common that some company accounts even have hundreds of millions of capital turnover.
What is the concept of Alipay if it saves millions? I deposited 20,000 in 15. At that time, the rate of return reached more than 6%, but financial management itself was risky and the rate of return itself was not high.
In fact, some people do save millions of deposits, and some even earn 10 thousand yuan or several thousand yuan a day. What you buy in this way is a fixed investment or a fund. Naturally, because of high deposits, it will bring high returns.
In fact, many people don't have such a high choice for Alipay, because Alipay's own balance treasure income is decreasing. For example, the current seven-day income of Yu 'ebao is around 2.4%, which is really a bit too low.
On the contrary, everyone's consumption on Alipay is a bit high. Millions of people are everywhere. It seems that more and more people are rich, and millions of savings will be spent elsewhere. Alipay is not the only best choice.
The security of Alipay is certain. Have you ever heard of hackers attacking Alipay? Didn't Ma Yun talk about Alipay security in many public places?
For Alipay's personal understanding, putting money into Alipay is to buy Alipay's wealth management products! For example, Yu Bao Li, Yu 'ebao and so on!
Put the money in the bank and Alipay! The income recovered is also different. The former belongs to deposits, which can only receive a little interest, while the latter belongs to personal finance, and the income is definitely more than the former.
Now people's understanding of financial management is much higher than in the past. Although wealth management products have a certain sense of risk, but want to compare the meager income of bank deposits, more people choose wealth management, which can not only ensure the depreciation of their principal, but also learn to increase their knowledge and understanding of money! In the end, there is still some income. It is better to do more than one thing!
Even if Ann goes bankrupt, the bank will pay you 500 thousand, but choosing Alipay is different! So in general, I think the security of Alipay is not an advertisement but a fact!
My humble opinion is for reference only.
This reminds me of the time I went to the developer to get the invoice, and the shopkeeper there asked me to sit and wait while looking for it. Then there is a young man who is dealing with the down payment, which seems to be around 22. The girl is dressed very young and cute, where the shopkeeper swipes her card, and the girl is talking with her husband about how to decorate.
The finance department checked for a long time and told them that the balance on the card was insufficient (the down payment was about 1, 2-2 million, and that dish was about 55,000, the smallest 80 yuan), and then the climax came.
The girl said: impossible! ? Just transferred 4 million from Yu 'ebao yesterday!
I was really complicated at that time.
According to my observation and use in recent years, Alipay's balance treasure is reliable and safe. 1. Just because hundreds of millions of people use the software 24 hours a day, the software has never been upgraded on Saturdays, Sundays or holidays, telling users that they cannot transfer money or withdraw cash. This shows that they "operate a little bit" like senior electricians, which highlights the high and deep technical content of the software version and the exquisite skills of engineers and technicians. 2. From the running time of several years, hundreds of millions of people have participated in uninterrupted use. I don't seem to have heard of any case in which someone suffered losses due to misuse. Therefore, there should be no doubt about gaining the trust of the public. Of course, I don't think it's worthwhile to save millions in Yu 'ebao. It is also a good choice to store some regular products in Alipay's financial interface. After all, the interest rate there is relatively high, up to 5%.