note:
Like Yu 'ebao, CCB Kuaili is a money fund and does not promise to protect the capital. But in practice, the probability of loss is extremely low. In recent years, there are only single-digit cases, and they are all single-day losses. This product was copied from Yu 'ebao by China Construction Bank. Yu 'ebao is diverted too much, so I have to make one myself, at least a money fund managed by a subsidiary, which can earn more.
The calculation formula of quick profit rate of CCB is: amount * income * days /365.
Is Long Bao of CCB the same as Yu 'ebao? Yu 'ebao is a value-added service for individual users created by Alipay, a third-party payment platform. Through Yu 'ebao, users can not only get higher income, but also pay and transfer money at any time without any handling fee. Users can purchase funds and other wealth management products directly on Alipay website, and get relatively high income. At the same time, 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.
Is it risky to surpass Ying Chao and Yu 'ebao? Chao Ying Chao and Yu 'ebao are essentially money funds with certain risks, but the money fund is the least risky among the funds.
Super Win is a bank treasure wealth management product launched by China Merchants Bank on the latest version of mobile banking. China Merchants Bank Super Win is essentially a monetary fund, and the docking monetary fund is China Merchants Lucky Treasure Monetary Fund. After the customer opens Super Win, the bank card under his personal name will be directly linked to China Merchants Lucky Treasure Monetary Fund, and the transfer in and out will correspond to the subscription and redemption operations respectively. The operating experience and user interface of this product are quite similar to that of Yu 'ebao. This means that the super income is similar to that of China Merchants Lucky Money Fund.
Yu 'ebao is a value-added service for individual users created by Alipay, a third-party payment platform. 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.
What is the amount of CCB's transfer to Yu 'ebao? The limit is 250 thousand, and each bank is capped at 250 thousand.
Adoption. Oh, thank you
What is Yu 'ebao? Is Yu 'ebao risky? 1. Yu 'ebao is a balance wealth management product launched by Alipay. When you transfer funds to Yu 'ebao, you actually bought a money fund called Yu 'ebao provided by Tian Hong Fund (formerly known as Zenglibao Money Fund), which can be transferred in, transferred out or consumed at any time; The funds transferred to Yu 'ebao can not only earn income, but also be paid at any time, which is very flexible and convenient. Let you make money and let you spend money.
2. You purchased the money fund of the fund company through Yu 'ebao, and Yu 'ebao supported the "Yu 'ebao" money fund of Tian Hong Fund in the first phase. Monetary funds are mainly used to invest in securities with high security and relatively stable returns, such as government bonds and bank deposits. Generally speaking, as a kind of fund product, money fund has the possibility of loss in theory, but from the historical data, the risk is low and the possibility of loss of principal is low. However, Alipay reminds you that buying money market funds does not mean that funds are deposited in banks or deposit-taking financial institutions as deposits. The fund company does not guarantee that the fund will be profitable or have the lowest income. Past performance does not predict future performance, the market is risky, and investment needs to be cautious. Although the risk of money fund is low, please confirm that you have fully understood the product before buying. You need to have the risk tolerance to invest in low-risk fund varieties, so when you buy related transactions of money funds through Yu 'ebao, you are the type with the lowest risk tolerance by default. Don't make such an investment if you don't have the minimum risk tolerance.
The balance treasure is transferred to the credit line of CCB. Hello. You can withdraw and transfer up to 50,000 yuan every day at Yu 'ebao. If you use AliPay to transfer money. The limit of transfer is not limited by Alipay. It's the bank card you transferred out, which is restricted by the issuing bank. The default transfer amount of the banking system is 5000 yuan. The default transfer limit of some banking systems is 1 10,000 yuan.
Is Yu 'ebao risky? The essence of Yu 'ebao is the money fund, but now the main investment of the money fund is the bank's agreed deposits, so the overall income of the money fund is closely related to the bank's capital flow. Now that the central bank has cut interest rates, the liquidity of market funds has increased, and it is normal for the income of Yu 'ebao Baby Corps to decrease.
With the advancement of the money market and the loss of the advantages of the money fund, the development of traditional wealth management products relying on the money fund has encountered bottlenecks, which will be followed by the opening of the "2.0 era" of Internet wealth management. In order to seek higher returns, Internet wealth management products are not only the category of money funds, but also more connected with insurance wealth management, bill wealth management, P2P, crowdfunding and other fields. Internet finance began to develop in the direction of more satisfying the needs of users and personalized wealth management.
20 15 Yu' ebao is more reliable, but the income of Yu' ebao is not as high as when it was first issued. Investors who do not pursue high returns may wish to deposit their money in Yu 'ebao. The convenience and stability of Yu 'ebao are also important reasons why many people choose it.
1, Yu 'ebao has little risk. Theoretically, every investment and wealth management product has risks.
2. Money fund investment has certain risks, but compared with other investment methods, the risks are relatively small. The risk of money market funds comes from the short-term bonds they invest in and the changes in market interest rates. When the market interest rate suddenly changes and the short-term bond interest changes, the fund fails to adjust in time, resulting in a decline in overall income. There is also the risk of competition from its own industry, and the calculation of its seven-day annualized rate of return is based on the most favorable price of the fund company in the income curve of the day. Causing the difference between quoted income and actual income.
3. According to the central bank's regulations on the management of third-party payment platforms, the balance of Alipay can be purchased by 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.
4. Yu 'ebao does not prompt the user about the investment risk of the money fund. Once the users of Yu 'ebao have income disputes, legal disputes are hard to avoid, and the resulting impact is hard to estimate.
First, the advantages of Yu 'ebao
1, with good liquidity and convenient transfer.
2. Let's look at a set of income comparison data. At present, the annual interest rate of RMB demand deposits in banks is 0.35%, and the seven-day annualized rate of return of Yu 'ebao is generally around 4.5%-5%, which is at least 12 times higher than that of demand deposits. The income advantage is self-evident.
3. Alibaba established Ali Microfinance Group, with guarantee companies and loan companies. With abundant funds, it has been ready for a long time, and its ability to cope with unknown risks is stronger.
4. Yu 'ebao is more convenient. Relying on Alipay platform and real-name authentication, if you want to buy Yu 'ebao, you can pay and subscribe directly on Alipay without opening a separate account.