The Internet has penetrated into all aspects of food, clothing, housing and transportation, and people can complete shopping and payment online. With the development of online shopping and mobile payment, Alipay has become a daily software used by many people. Putting money in Alipay can generally earn more interest than current savings. With the advent of mobile payment, people don't have to take their wallets or queue up in the bank to get cash. However, while the Internet brings convenience to people, it also brings some risks.
By the end of June 2020, the annual active users of Alipay had exceeded 654.38+0 billion. It can be said that most people will get used to paying by mobile phone.
But during this time, I wonder if you have found out? Alipay has frequently searched hot since last year. During this time, there was a news that the Alipay student account was cancelled, which attracted everyone's attention.
A new scam has emerged. At present, China explicitly requires microfinance companies not to issue Internet consumer loans to college students. With the tightening of online lending policy, Alipay and other institutions have also begun to adjust the consumption quota of college students. At this time, some fraudsters have implemented fraud in the name of canceling Alipay student accounts.
Some fraudsters use this information to commit telecommunication network fraud. After this new type of fraud appeared, many college students believed it, and some fraudsters succeeded. Therefore, college students' friends must beware of this kind of telecom fraud.
Having said that, Alipay has such a huge user base, and the negative news about Ali has made many people doubt the payment method of Alipay. Many Alipay users are puzzled. Is the money in Alipay safe now? Can you take it out?
In recent years, the state has intensified its anti-monopoly efforts on the Internet. As a leading enterprise in the Internet field, Alibaba often makes hot searches. Many people are worried that if Ali really encounters a crisis, should we take out the money in Alipay? Many people use Alipay to save money or buy funds, so is the money inside safe?
First of all, we must understand that the money in Alipay's balance is safe.
Alipay is a fund platform. Although our money is ostensibly in Alipay's balance account, every time we deposit a sum of money in Alipay, Alipay needs to deposit the same amount of customer reserve in China People's Bank or a designated commercial bank.
According to the regulatory requirements, the reserve fund system is to protect the depositors' funds. On the one hand, the reserve fund system can ensure the safety of funds and prevent the reserve fund from being used by payment institutions for illegal purposes, such as unauthorized misappropriation, occupation and borrowing. On the other hand, it can ensure the liquidity demand of funds and prevent bank runs.
So, is the money in Yu 'ebao safe?
Yu 'ebao is essentially a monetary fund. When Yu 'ebao first appeared, Alipay managed the funds in Yu 'ebao through Tian Hong Fund, but from 2065438+May 2008, Yu 'ebao began to introduce a third-party fund company to manage Yu 'ebao. According to regulatory requirements, customers need a third-party financial institution for custody when purchasing funds, so the money in Yu 'ebao is actually deposited in bank custody accounts of various funds.
So the simple understanding is that Alipay does not fully control our money. It doesn't mean that Alipay has closed down, and our money can't be collected at all. Actually, we don't have to worry too much. As a large financial platform, Alipay has also increased its control measures, which will not harm the interests of depositors.