It can be further optimized.
First of all, let's analyze whether there are risks in the 400,000 deposits in Alipay and bank time deposits, and what are the risks:
1, interest or dividend risk. .
As shown above, these are some deposit products. Non-professionals all look the same.
But there are subtle differences. For example, the top item, 180 days dividend, if less than a few days, there is factional risk. Another example is the last paragraph, the maturity interest rate, which means that if you withdraw in advance, you may lose interest or limit your withdrawal.
2. The risk of single product. The deposit products in Alipay are issued by different banks and are all fixed. 400,000 yuan to buy a certain product of the bank, or a certain product, the risk is too concentrated. Limited liquidity.
All 340,000 funds are managed by Yu 'ebao, and there is also the risk of single financing funds and channels.
Summary: Small probability has many risks. Lack of liquidity, because it is fixed, low flexibility, too concentrated funds.
Secondly, it can be very convenient to optimize in many aspects, effectively disperse risks, stabilize income and be more flexible in financial management.
1, reasonably spread the risks of principal, interest and income. A. Buy time deposits from different banks at Alipay. B. Through different platforms,
Buy similar banking products.
2. Portfolio investment to meet more demands and improve the overall stability of funds. The combination of current account and fixed account will greatly increase the flexibility and liquidity of 400,000 funds and deposits. The whole financial management structure is more stable.
Summary: Get twice the result with half the effort, 400,000 financial management is more stable and the income is more secure.
Finally, summarize and analyze:
Alipay financial management is deeply trusted by people.
However, there are still many kinds of small probability risks in purchasing huge funds of 400,000 yuan, new network and deposit products. For example, the risk of early withdrawal, single product, single channel, risk accumulation and so on. Therefore, it is necessary to actively carry out risk management and scientific planning to get twice the result with half the effort.
Alipay is a payment tool, not a bank, and there is no bank license. However, it provides convenience for everyone's daily life. I often use Alipay, in addition to payment, such as wealth management products, flowers, gold, loans, funds and so on. I always use it without interruption. You can't live without it if you get used to it.
I'll transfer the money to Yu 'ebao for monthly expenses, and I'll try my best to pay my usual expenses with flowers. Why not use my money for nothing? The repayment date of my flower bud has been changed to the 20th, and my fee is generally 15. Take the initiative to repay on the 9 th, and the ant's credit score is very high. The funds in Yu 'ebao have accumulated a lot, so I will buy regular financial management inside. I usually buy insurance and finance in it, such as China Life Anxin Ying, and so on. One year, the interest rate is also high, about 4.5%, but it does not break even, which is a low-to-medium risk. I have bought it for several years, and I have never been in danger. When the price of gold is low, I will buy some, and when it goes up, I will throw it away. This can't be urgent, be patient; Buy index funds when the stock market is depressed and sell them when it is high; I usually don't leave much money on hand. If I need it urgently, I will ask Bailey for a loan. Although the loan interest rate is high, I can repay it at any time when I have money, and it won't generate much interest. I don't need to borrow it from my relatives and friends. It is also convenient to borrow money here, and it will take a few minutes.
Buying a bank in Alipay on a regular basis, the interest rate is relatively low, and it is not worthwhile to deposit 400,000 yuan. Principal is guaranteed, but interest is low! It is expected that it is better to deposit large certificates of deposit in commercial banks, and 4% is available.
When choosing bank deposit products in Alipay, such as "Annual Optimization" of Tianjin Binhai Rural Commercial Bank and "Yingxin Village No.8" of Yingkou Bank, the deposit threshold is as low as 50 yuan, and the risk is low. Because these products are all bank deposit products, the deposit insurance regulations are implemented according to the regulatory requirements, and the total principal and interest below 500,000 yuan can enjoy 100% guarantee.
Compared with the bank deposit products in Alipay, in fact, there are more "bank selected products" on Jingdong Financial APP and more product types. However, whether it is Jingdong Finance or Alipay platform, it is only a third-party platform that provides product information and display. In fact, every deposit product and service is directly provided by major commercial banks.
Therefore, if you want to buy bank deposit products on a third-party platform, you need to open the bank's electronic account first according to the requirements of the bank. After the capital is transferred, it is irrevocable, and the income is calculated after the product is confirmed. In addition, the advantage of doing this is that it has played a role in fund isolation, which is equivalent to customers trading directly with banks, and the security of funds is more secure.
After you purchase this kind of product, interest will be calculated on the day when the product is successfully deposited in the bank, and interest will not be calculated on the day of withdrawal. If it is withdrawn in advance, it can be deposited in 1 days, but the interest will be calculated according to the deposit rate and distributed together with the principal. In short, bank deposit products have low risk and are suitable for ordinary investors. In addition, you can also choose funds, gold and regular wealth management products in Alipay.
I believe many people still don't know that Alipay can handle bank deposit business. If you deposit 400,000 yuan into the bank time deposit through Alipay platform, is this deposit risky?
I'm here to tell you for sure that 100% is safe without any risk, although it is also a security guarantee.
Let's take a look at Alipay's capital guarantee and bank deposit insurance regulations. Is it risky to deposit 400,000 yuan into the bank time deposit through Alipay?
Alipay's account fund protection regulations Every Alipay user will buy a fund insurance for free to protect all the funds in Alipay.
What funds are specifically guaranteed?
The guarantee funds mainly include 5 fund accounts, 2 credit accounts and 3 payment codes. , the total guarantee fund is 5 million, and the specific guarantees are as follows.
(1)5 fund accounts
Including Alipay balance, Yu 'ebao, Yu Bao Li, time deposit, fund account, gold account, etc.
(2)2 credit accounts
Including ant flower bud and ant loan bank.
(3)3 payment codes
Include express payment, payment code, payment code, etc.
Therefore, Alipay guaranteed 10 Alipay accounts, with a total guarantee of 5 million. Similar to what Ma Yun once said before, if you dare to pay, I dare to pay, and I am confident to protect every penny in Alipay.
Deposit insurance clauses The deposit insurance clauses formally implemented in China since May 20 15 1 day. Because of the introduction of deposit insurance clauses, a safety wall has been added to bank deposits within 500,000 yuan.
As shown above, this is the details of the bank deposit insurance clause.
The deposit insurance institution shall fully compensate everyone for their deposits within 500,000 yuan in each bank. Remember that this 500,000 yuan is with interest, and this 500,000 yuan guarantee includes the following funds:
(1) RMB deposit
(2) Foreign exchange deposits
(3) principal
(4) Interest
(5) Personal savings
(6) Company deposits
The above six kinds of bank funds are all guaranteed by the Deposit Insurance Regulations.
In addition, if the customer deposits more than 500,000 in the bank and the bank goes bankrupt, most of the funds exceeding 500,000 will be paid by the acquiring institution or the undertaking bank.
Is it risky to deposit 400,000 yuan into Alipay time deposit? Above, we understand the regulations on the safety of Alipay account funds. Anyway, the funds traded through Alipay platform are guaranteed, and the amount of guarantee is 6.5438+0 million yuan, while the 400,000 yuan deposited through Alipay is completely within the guarantee range of 6.5438+0 million yuan. Of course, it is risk-free and absolutely safe.
In addition, according to the deposit insurance regulations, there is a guarantee of 500 thousand yuan. Because the time deposit deposited through Alipay is also a private bank deposit business, and it is also underwritten by a deposit insurance institution with 500,000 yuan, so this 400,000 yuan is absolutely safe and risk-free.
abstract
According to the terms of the above-mentioned Alipay insurance and bank insurance, this 400,000 yuan, whether it is to buy Alipay's arbitrary wealth management products, even if it is not deposited in the bank, is safe and secure, and it is within the full compensation range of major insurance institutions.
So tell us that no matter other investment and wealth management products of Alipay platform, as long as the amount is within 654.38+0 million, there is no risk. There is no risk if the bank deposit is less than 500 thousand. You can handle it confidently and boldly.
Recently, Alipay finally launched some innovative deposit products for banks. I have made some investments in these products. Regarding whether it is risky to deposit 400,000 yuan into this product, please tell me my opinion, hoping to help you.
The time deposit in Alipay is not Alipay's own product, but the money is deposited in the corresponding bank through Alipay's platform, so you need to open an electronic account when you deposit.
This electronic account is equivalent to the virtual bank card of the bank. If you charge money into this electronic account, it is equivalent to depositing money in this bank and then buying this product, which is equivalent to choosing this deposit.
The security of deposits is guaranteed by banks. According to the national regulations, as long as the bank does not close down, the bank deposit is to protect the principal and interest, so there is no risk for you to deposit 400 thousand.
If the bank fails during the deposit period, will the deposit be risky? This will be explained by the deposit insurance system.
According to China's deposit insurance system, if a person's total deposit in the same bank does not exceed 500,000 yuan, if the bank goes bankrupt, the deposit insurance foundation will give priority to full payment.
Your 400,000 deposit with interest and principal will not exceed 500,000, and the security is absolutely guaranteed.
Through observation, it can be found that there are only three or five banks cooperating with Alipay, including the online merchant bank under Ant Financial, which has not sold deposit products through Alipay.
These banks are relatively small-scale city commercial banks and rural commercial banks, so their deposit interest rates are a little higher than those of traditional banks. It is normal for everyone to worry that such a small bank will be risky.
However, due to the guarantee of deposit insurance system, the risk of small bank deposits can be completely resolved by reducing the deposit amount, as long as the deposit principal is within 400,000, it is absolutely safe.
Others will ask, if there is a problem with the bank, will Alipay bear the responsibility? The answer is that Alipay can help you solve the problem, but it has no responsibility and obligation to compensate.
In Alipay, there are 400,000 bank time deposits. Is there any risk?
It can be clearly said that there is no risk, although you can rest assured. However, in the future, we should pay attention to any platform and any product. Don't invest indiscriminately until you know its essence and whether it is risky. For those with low risk preference, only make certain investment and financial management.
Since you have raised such a question, it shows that you are not very clear about the relationship between Alipay and Alipay, and the nature of these products themselves.
In fact, Alipay or JD Finance are just some product display platforms, which play an intermediary role and charge the product agency fee of the product issuer, which has nothing to do with the products themselves.
Then the products displayed on these platforms are all issued by specific product issuers, such as banks, insurance companies and fund companies, who are responsible for these products.
Banks issue some special deposit products. The product types of these products are all bank savings deposits, and the principal and interest are paid within 500,000 100%, which is very safe.
The interest rate is basically between 4.5% and 5%, the interest payment period is generally one year, and the longest deposit period is five years. As a bank deposit product, the income is very high.
For example, on Alipay, a deposit product issued by Yingkou Bank, No.8 Yingxin Village, No.32, has a deposit interest rate of 4.8% and a product term of 360 days. The principal and interest of 500,000 yuan are guaranteed by the bank deposit insurance regulations.
Maybe you will ask, why do these banks choose Alipay to issue their bank deposit products?
Did everyone find out? The banks above Alipay or JD Finance are basically private banks or rural commercial banks. These banks are characterized by low popularity, and they need to use Internet financial platforms such as Alipay or JD Finance to obtain traffic and increase product sales.
Alipay and these banks also have their own needs. One is to collect agency fees, and the other is to obtain platform traffic.
In any case, these products are safe and can be purchased with confidence.
As we all know, the bank's deposit business is a low-risk financial management method in fixed-income financial products, because depositors not only have the backing of large financial institutions such as banks to ensure the safety of funds, but also have a deposit insurance system to ensure that depositors' funds can be fully paid when banks are at risk. Choosing the bank time deposit method through Alipay is actually a direct deposit business with the bank. Alipay is just a channel and has no deposit nature. This fund is still connected with the bank, and the funds are relatively safe.
First, the Alipay account is secure. Users who have used Alipay know that Alipay has account protection insurance. As long as the funds are stolen, you have to pay. This is Alipay's compensation guarantee for users' funds when there are risks. However, there are many groups that use Alipay in China, and most of them manage their money in Yu 'ebao. Alipay has a low probability of taking risks, so you don't have to worry about all kinds of financial management on Alipay platform.
However, except for some of Alipay's own baby funds, other recommended products are not Alipay's own wealth management business, but only a channel. These formal platform funds are also very safe. After all, Alipay will also review the product qualifications of these platforms, not to mention bank deposit products.
Second, the risk of bank deposits is low. Bank deposits purchased online are basically smart deposits of private banks. Although private banks are not well-known and have weak ability to resist risks, private banks, like large, medium and small banks, have depositors who deposit their funds in these banks. As long as the funds are below 500,000, depositors can get full compensation within 500,000 when the bank is in danger.
In other words, although the bank's regular wealth management products are purchased in Alipay, as long as the deposit is below 500,000, these wealth management products are absolutely safe, so don't worry about the risk of deposit.
Therefore, it is actually very safe to buy bank time deposits through Alipay's financial platform. After all, products can be strictly approved on relevant financial platforms, but financial management itself is risky. Even if the bank's time deposit funds exceed 500 thousand, we should be alert to the risk of bankruptcy. If the capital is less than 500 thousand, you don't have to worry about the risk of time deposit. After all, there is a deposit insurance system to ensure the safety of depositors' funds.
On the other hand, investment needs to be done according to one's ability, so it is very important to choose a wealth management product that suits you. Bank deposits ensure the safety of the principal, but the interest is not high. Other wealth management products have high returns but high risks, which requires users to take into account both risks and benefits when choosing wealth management. We can't blindly pursue high profits and ignore risks. The bank time deposit in Alipay is a product with low risk and stable income, so don't worry about the security of Alipay. Don't worry about the safety of the bank. Most people in China have deposits, the risk level of capital deposits is the lowest among most wealth management products, and banks are the best financial institutions to control risks. If banks are unsafe, other financial institutions will also face risks. So don't worry about deposits with funds below 500 thousand.
Alipay launched the bank deposit product in 20 19. It was really after we called for a thousand times and urged her for a thousand times that she began to come to us. There is no risk in buying wealth management products in Alipay. Of course, the answer is yes, but for the general public, it is no different from direct deposit in the bank, so you can safely deposit it. And I think there are two main risks that everyone is worried about: the risk of Alipay and the risk of the product itself.
First, Alipay itself is risky.
First of all, let's be clear about one thing, what we bought when Alipay bought the deposit. Alipay, like a supermarket, can sell many things, but basically has nothing of its own. These things can only reach consumers through the channel of supermarket. Alipay is a supermarket that sells bank deposits. In fact, all bank deposits are not Alipay's, and it is not qualified to issue bank deposits.
As a channel, safety and everyone's trust are the first. After all, we are investing in our lives. Alipay has nearly 1 100 million users, and withdrew from bank card security insurance and free account security insurance to ensure the safety of our funds. Since its establishment, no problems have been exposed.
Second, the risk of bank deposits.
We can divide Alipay bank deposits into two types. The first kind is deposits from big banks, such as Agricultural Bank and Industrial and Commercial Bank of China. We often use these banks, and they are large in scale, so we won't feel any problem. The second is some city banks or private banks. Basically, few people can name them. For this kind of deposit, you can also rest assured that these banks are also recognized by the state at present, and their deposits are guaranteed by deposit insurance. Moreover, this kind of deposit has a high interest rate, which is about 4.5% a year. Basically, you can get the interest of 1.8 million every year by snapping up the principal of 400,000 yuan.
Above, we have explained the security from the perspective of Alipay itself and its products. You can buy with confidence, get in touch with new things, and basically improve your income without risk.
Many people don't know that there are bank time deposit products in Alipay. In fact, Alipay was mostly a wealth management product at the beginning. Until now, Alipay has become one of the best third-party financial platforms in China, docking time deposit products of many banks.
Of course, at present, Alipay mainly accesses private banks. The deposit products launched by private banks are different from those of traditional banks. Private banks cooperate with third-party financial institutions with high interest rates and high flexibility.
Although the reputation of private banks is not high, the threshold for the establishment of private banks is not low, and it is audited and supervised by the China Banking Regulatory Commission. Moreover, the time deposit products of private banks are also protected by laws and regulations. This kind of products can be purchased in limited quantities every day, which can better guarantee the safety of bank liquidity.
It may not be possible for 400,000 yuan to buy a time deposit in Alipay at one time, but it will be better to buy a time deposit several times for 400,000 yuan, which can reduce the risk. Moreover, different banks have different dividend distribution methods for time deposits, so you can choose according to your actual situation.
Ok, answer the topic of this industry, I hope my answer will help you!
First of all, most of our China people's assets are real estate, and the landlord can take out 400,000 yuan to deposit Alipay, which is really a petty bourgeoisie.
How can I put it? In fact, Alipay's loans and deposits have to go through the bank. According to the regulations of the bank, the limit of the deposit insurance fund to depositors is less than 500,000 (not more than 500,000), which protects the legitimate rights and interests of depositors. Even if it exceeds 500,000, it is difficult for all banks to have a serious crisis, because banks can not only lend to each other, but also have a "reserve" system. So users can safely save money, and in the end, someone will pay for you anyway.
Is it worth saving 400 thousand in Alipay? Reasonable, for many people with some financial knowledge, it is obviously not cost-effective to deposit money in the bank like this.
Because the income of Alipay has indeed decreased a lot, the current yield of Qian Bao currency A in Central Europe is about 2.65%, and the income per 10,000 shares is 0.7 172 yuan. Let's figure it out for ourselves. How much income can this 400,000 deposit balance treasure have?
How should 400,000 people manage their finances effectively? For China people, the most direct and popular way to manage money is to buy a house and save money. But in recent years, I believe everyone knows what real estate is like. So, if it were me, I would plan 400 thousand like this.
1, use 200,000 yuan to buy some stocks, preferably leading stocks, and make a long-term investment.
2.654.38+ ten thousand buy funds. The so-called fund is to give your money to professionals.
3. Buy some bank wealth management and save some for normal needs in Yu 'ebao.
In short, we should cultivate our brains with financial awareness, instead of letting money sleep, we should learn to let money flow like this. Is this a fact?