If you have money, you must choose to deposit it in the bank. It is not recommended to deposit in Yu 'ebao.

The reason for this is the following：

(1) Principal Securities

Products with low risk of bank deposits and no interest on capital preservation are less than 500,000.

Because there is a deposit in the bank, every bank has a sum of 500 thousand, even if the bank goes bankrupt, this deposit is very safe.

If it exceeds 500,000 yuan, the safety of each depositor shall be guaranteed.

However, Yu 'ebao does not have this guarantee. Yu 'ebao is both Alipay and Tian Hong Fund, which guarantees everyone's safety, but despite multiple guarantees, the principal security is still higher than bank deposits.

(2) Interest income

In fact, banks have deposits and wealth management products, and banks have large sums of money for more than five years. If you want to be higher, you can choose some short-term wealth management products, and the annual interest rate will reach the risk.

The current yield of Yu 'ebao is only over 2%, and bank deposits have dropped by almost half year-on-year.

The bank's five-year smart deposit is 65438+100000. The maximum deposit balance is only 2000 yuan, which is definitely more than bank deposits.

(3) liquidity of funds

The biggest advantage of Yu 'ebao is that the deposit of funds is the biggest advantage of Yu 'ebao.

However, bank deposits, or smart deposits in banks, are particularly liquid and can also be used.

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Bank deposits belong to fixed assets, and fixed assets can be mortgaged in banks, which is also recognized by banks.

However, Yu 'ebao Fund is a wealth management product, which is not recognized as a fixed asset and cannot be mortgaged in a bank. This is the deficiency of Yu 'ebao.

To sum it up

Through the above aspects, such as bank deposits and balance deposits, capital liquidity, rate of return and fixed assets, it is obvious that it is better to choose to deposit money in the bank.

Second, is Qian Bao loan reliable?

Having money to borrow is not necessarily reliable. Friends Baby Loan is a kind of online loan with certain risks. Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. Article 197 of the Contract Law stipulates that a loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method. However, online lending is also becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet.

Third, does Baidu have the money to spend online loans?

There are too many online loans now, so we must find reliable ones, otherwise we will really worry. Before, a friend of mine came across an unreliable online loan and was cheated miserably. Not only is the interest rate opaque, but he also does not support prepayment. Baidu's big brand of spending money is really reliable. Note that Baidu Spending Money has long been renamed, and now it is called Spending Money. Baidu's loan is similar to Alipay loan. I borrowed money from it and gave me 65438. I once withdrew 10000 from my credit card, which was 5 yuan a day. It's much more cost-effective to spend money than to use a credit card in installments. Borrowed 1 10,000, only 2 yuan a day.

4. Why didn't I pass the application for 6 hours? I am so angry. I really spent it on money. ...

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