1.？ Alipay, Alipay balance, Alipay balance treasure
Alipay: Alipay (China) Network Technology Co., Ltd., established in 2004, is a domestic third-party payment platform, and is committed to providing "simple, safe and fast" payment solutions for enterprises and individuals. Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It owns two independent brands, Alipay and Alipay Wallet.
Alipay balance: Alipay account balance refers to the amount that has been transferred to Alipay account from bank card or other means. Alipay account is a virtual electronic wallet, which can be recharged, transferred and consumed. The amount in the account is the balance of Alipay account, excluding Yu 'ebao funds. The balance of Alipay account can be divided into available balance and unavailable balance. Available balance refers to the amount in Alipay account that can be used for consumption and transfer at any time; Unavailable balance refers to the balance that is temporarily unavailable.
Alipay Yu 'ebao: Yu 'ebao is a balance appreciation service and current fund management service product under Ant Financial, which was launched on June 20 13. Tian Hong Fund is the fund manager of Yu 'ebao. Yu 'ebao is connected with Yu 'ebao Monetary Fund under Tian Hong Fund, which is simple to operate, low in threshold and free of handling fee. In addition to the financial management function, Yu 'ebao can also be directly used for shopping, transfer, payment, repayment and other consumer payments. It is a cash management tool in the era of mobile Internet.
2.？ After the bankruptcy of the company, the debt problem of the company
After the bankruptcy of the enterprise, the enterprise property shall be liquidated. During the liquidation period, the liquidation group shall clean up the company's property, prepare a balance sheet and a property list respectively, notify creditors, handle the company's unfinished business related to liquidation, pay off the taxes owed and taxes generated during liquidation, clean up the creditor's rights and debts, dispose of the company's remaining property after paying off debts, and participate in civil litigation activities on behalf of the company.
There are also restrictions on the creditor's rights litigation of civil subjects. According to Article 188 of the Civil Law, the limitation period for requesting the people's court to protect civil rights is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.
3.？ Is the balance of Alipay still mine?
The balance of Alipay is not a deposit and is not protected by the Deposit Insurance Regulations. Its essence is a virtual currency transfer account, which is not a kind of bank deposit in essence, but a debt of Alipay company.
Investors in Alipay, the balance of money, equivalent to cash, this part is placed in Alipay. If Alipay goes bankrupt, the money deposited by all users in Alipay's balance becomes a debt of Alipay, which is a legal debt that its company needs to bear. Users have the right to ask the company to repay the money in the balance. However, Alipay is a limited liability company, and the debt settlement rules of a limited liability company after bankruptcy are limited to the registered capital of the company. Therefore, due to the bankruptcy clause in the bankruptcy law, the amount of debt settlement is also limited, and there is a certain risk that the user's money will not be paid off. In addition, if the company cancels according to legal procedures, it is necessary to set up a liquidation team to make an announcement and clean up the creditor's rights and debts. If it is announced that the creditor of the user does not apply for creditor's rights within 45 days, it will be regarded as automatic waiver.
4. Is the money in Yu 'ebao still mine?
The money in Yu 'ebao is actually not the asset of Alipay. Yu 'ebao is connected to the Monetary Fund, and the responsible party is the Tian Hong Fund.
Yu 'ebao is a "window" to show off any project in the investor city and attract people to invest their money in the shopping mall. It is just a transit platform, and the actual money does not exist in Yu 'ebao. Just let investors transfer the principal and buy the principal value-added service. Tian Hong Fund is the "manager", responsible for managing and investing this principal to make this fund work; In fact, the principal is either in Tian Hong Fund (under the strict supervision of CITIC, Tian Hong Fund can't take it at will) or in money market financial instruments (the counterparty of financial instruments has the obligation to repay).
If Alipay goes bankrupt, it means that the "window" is closed, but the money in Yu 'ebao will not be affected, and it still belongs to itself. The money foundation in Yu 'ebao "Fengkou" continues to operate and invest in the money market. If investors want to quit, they can redeem it on the Tian Hong fund platform.
General funds will not be forced to withdraw, but will only be liquidated. After the liquidation of the fund, the remaining assets of the fund will be distributed to investors according to their holding shares. The money fund mainly invests in the subject matter with insurance clauses, such as deposits and certificates of deposit, with less risk.