Yu' ebao is safe in financial management. Yu 'ebao was born in 1 and 20 13, which is widely regarded as the first year of Internet financial management in China. At the same time, Yu 'ebao has become the most typical representative of inclusive finance. One year after its launch, it has not only made tens of millions of people who have never been exposed to financial management germinate their financial awareness, but also activated the technology and innovation of the financial industry and promoted the process of market-oriented interest rates. Yu 'ebao consists of the holding investment of Alibaba and Tianhong Fund, among which Tianhong Fund is a state-owned asset and the largest monetary fund company in China.

2. The security level of Yu 'ebao is equivalent to that of major state-owned banks, and the income of Yu 'ebao is higher than that of bank five-year time deposits. The funds transferred to Yu 'ebao are guaranteed by Alipay. If the Alipay account is indeed stolen after verification, and the funds in Yu 'ebao cannot be recovered after being stolen, Alipay will make compensation.

3. The daily income of Yu 'ebao is different, and the income calculation formula is = (confirmed amount of Yu 'ebao/10000)X every ten thousand income announced by the fund company on the same day. Yu 'ebao is settled on a daily basis. It can withdraw money at any time and arrive in two hours. It is convenient, flexible, fast and safe, and is very popular with people.

More than 400 million people across the country use Yu 'ebao for financial management. If you save 10 thousand yuan, your daily income will be about one yuan and ten cents. ?

Extended data:

It is reported that Alipay's balance treasure stands on the scale of 400 billion yuan. The development speed of Yu 'ebao is amazing. From 0 to 250 billion, Yu 'ebao only took more than 200 days. From 250 billion to 400 billion, Yu 'ebao only took about 30 days.

Yu 'ebao not only allows people to increase almost equally safe and stable investment options with higher returns in the era of "negative interest rate", but also forces the banking industry that has enjoyed the spread monopoly for many years to start the interest rate marketization reform as soon as possible, thus reducing the overall financing cost of China's real economy.

The essence of Yu 'ebao is the marketization of interest rates, which is definitely unfavorable to banks. Banks will definitely be polarized, the competitive advantage of high-quality banks will continue to strengthen, and some banks that muddle along will have a hard time in the future. Therefore, large state-owned banks should continue to maintain their competitive advantages, but small and medium-sized banks will have great competitive pressure in the future.

Internet finance represented by Yu 'ebao is booming and in the ascendant, which is accelerating the diversion of bank deposits and impacting the monopoly position of state-owned banks. In the future, only Internet wealth management products like Yu 'ebao will continue to emerge, so as to promote the marketization of interest rates.

People's Daily Online-Netizens call for more "Bao Yue" wealth management products.