Disadvantages: 1, low return: low risk is accompanied by low return; 2. Capital restriction: Yu 'ebao is on the third-party sales platform, and there are certain restrictions on the transfer of funds.
1, Yu 'ebao is a balance appreciation service and current fund management service product launched by Ant Financial on June 20 13. Tian Hong Fund [1] is the fund manager of Yu 'ebao.
2. Yu 'ebao and Yu 'ebao Monetary Fund are docked under Tian Hong Fund, which has the characteristics of simple operation, low threshold, zero handling fee and convenient use. 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. Yu 'ebao is still the largest monetary fund in China. 2065438+On May 3rd, 2008, Yu 'ebao jointly owned two monetary funds, namely "Boss Cash Income Currency A" and "Central Europe Rolling Qian Bao Currency A".
3, 1 yuan can manage money regularly-"Yu 'ebao" was born in 20 13, which is generally regarded as the first year of internet financial management for China people. At the same time, Yu 'ebao has become the most typical representative of inclusive finance. Since its launch one year ago, it has not only made tens of millions of people who have never been exposed to financial management germinate their financial awareness, but also activated the technology and innovation of the financial industry and promoted the process of interest rate marketization. Yang Qi, a researcher at Huaxia Bank's Development Research Department, said that the emergence of the E package, on the one hand, is an increase in residents' demand for asset allocation, which is a good supplement to existing investment products, which not only improves economic benefits, lowers the threshold of financial management, but also awakens the public's financial awareness. Wu Xiaoqiu, director of the Institute of Finance and Securities of Renmin University of China, said that the core contribution of E-package lies in the establishment of surplus wealth funds, and the establishment of market-oriented interest rates on a large scale is conducive to promoting the process of interest rate marketization.
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