Yu 'ebao is risky, but the risk is very low, almost zero. The money fund accessed by Yu 'ebao is mainly used to invest in securities such as government bonds and bank deposits. The probability of principal loss is small and the rate of return is not guaranteed. At the same time, Alipay provides account security insurance. If Yu 'ebao's funds are stolen and cannot be recovered, Alipay will compensate.
Yu 'ebao is Alipay's latest balance appreciation service. You can get a certain income by transferring money to Yu 'ebao. In fact, you bought a money fund called Zenglibao provided by Tian Hong Fund. The funds in Yu 'ebao can also be used for online shopping and transfer money at any time. Support Alipay account balance payment, savings card (including one card) funds transfer fast payment. Yu 'ebao has certain risks, but the probability of risk outbreak is small.
The risks of Yu 'ebao include:
1, investment risk
The investment scope and proportion of money funds have been strictly regulated and supervised by the regulatory agencies. Generally speaking, their investment risk is very small, but small risk does not mean no risk.
2. Liquidity risk
Because the customers of Yu 'ebao are mainly individual investors, the pressure of centralized redemption is relatively small compared with other funds, but it is not without it. For example, at the predictable point of double 1 1 centralized consumption with e-commerce characteristics, the actual consumption amount will definitely rise, and fund managers must respond in advance. Unpredictable, if there is a "run" phenomenon leading to centralized redemption by customers, the liquidity risk of such a large-scale money fund will be unbearable.
3. Technical risks
Due to the real-time redemption and consumption functions of Yu 'ebao and Alipay, given their huge number and scale of users, the data and information to be processed every day may be astronomical. Operational errors, hacker attacks, system downtime and various unforeseen natural and man-made disasters will all put investors' funds at risk.