Yu 'ebao is essentially a fund. Since it is a fund, there is a risk of loss, and the principal cannot be guaranteed.

However, Yu 'ebao is different from other high-risk, high-yield and low-security funds. Although its income is slightly higher than that of bank deposits, its risk is far less than that of similar funds. This is mainly due to its backing on the big tree Alipay, and its investment is relatively safe.

Another point is that there are state-owned assets behind Yu 'ebao, and its Tian Hong Fund is state-owned, so the security level of Yu 'ebao is higher.

So its loss only exists in theory.

Extended data:

20 16 In March, Jing Xiandong, President of Ant Financial Services, delivered a keynote speech entitled "Promoting inclusive finance with Science and Technology" at the Global inclusive finance Partner Organization-GPFI (Global inclusive finance Partner Organization) 20 16 Summit, sharing the inclusive finance concept in the eyes of Ant Financial Services and the exploration and achievements made by Ant Financial Services in this field. GPFI is under the G20 framework. Jing Xiandong pointed out that Ant Financial was named "Ant" because its meaning conforms to the original meaning of inclusive finance, that is, serving small and micro enterprises and ordinary people.

Since Alipay, Ant Financial has had sub-business segments such as Alipay, Yu 'ebao, Lucky Treasure, Ant Wealth, Online Merchant Bank, Ant Flower Garden, Sesame Credit, Ant Financial Cloud, and Ant Guest. At present, Alipay has 450 million active users, and the cost of each payment transaction is as low as 0.02 yuan; Yu' ebao serves 250 million users and brings more than 50 billion yuan in revenue to users; The data-based credit information lending system has provided services to 2.6 million small and micro enterprises, with loans exceeding 600 billion yuan. ?

Taking Yu 'ebao as an example, according to the latest data released by Ant Financial, the number of users transferred to Yu 'ebao increased by 44% compared with the same period of last year, and the transfer amount increased by 60% compared with last year. Geographically, during the Spring Festival this year, the number of urban users of Yu 'ebao increased by 43% year-on-year, and rural users were 1 1 percentage point higher than urban users, accounting for 54%. The data of third, fourth and fifth tier cities reached 45%, 59% and 6 1% respectively. The six provinces of Henan, Guizhou, Gansu, Shanxi, Sichuan and Jiangxi all increased by more than 60% year-on-year, and the 15 province increased by more than 50% year-on-year. This has greatly broken the old impression that Internet finance "early adopters" are mainly concentrated in first-and second-tier cities, but compared with cities and rural areas, the goal of practicing inclusive finance has been further developed. Breaking the gap between urban and rural areas, more and more people can pursue "stable happiness" through Yu 'ebao.

References:

Baidu encyclopedia-Yu' ebao