Buying an online merchant's bank clown is equivalent to saving a three-year time deposit. The interest rate of 3.5 is higher than that of ordinary money funds, and the main risk is term risk. The interest rate is higher than that of the bank regularly because 1. At the beginning of its establishment, it needs deposits, which are absorbed by the fixed treasure. 2, there is no physical network, the cost is low, and higher deposit interest rate can be given. The difference between Yu and Ding Huobao is mainly manifested in risk, income and transfer quota.

The difference between Yu and Ding Huobao

1, risk. In Bao Li, it is a fund with low risk but high liquidity, while Dinghuobao is equivalent to a time deposit, which is totally risk-free.

2. Income. There are two differences in income, income time and rate of return. Earning time: the fixed live treasure can be earned by depositing it the next day. The rest of the income schedule is to transfer funds from Thursday 14: 30 to Friday 14: 30, enjoy the income on Monday, and check the income on Tuesday; From Friday 14: 30 to Monday 14: 30, you can enjoy the income on Tuesday and check the income on Wednesday. Interest rate: Yu Baoli's annualized rate of return is 2.56%, and Dinghuobao's cash withdrawal rate is 3.50%.

3. Transfer-out quota. There is no limit to the amount and number of times the clown can be transferred out. The maximum daily withdrawal amount is 5 million, and there is no limit on the number of times within 5 million.