1. Risk, behind Yu 'ebao is Zenglibao, a money market fund of Tian Hong Fund, and the seller is also a Tian Hong Fund, but the channel is on the Internet. Strictly speaking, Yu 'ebao itself is not a fund.
According to industry insiders, most of the funds transferred to Yu 'ebao used to exist in the form of demand deposits, and the annualized rate of return on bank demand deposits was only 0.35%. Therefore, this background determines that the yield of Yu 'ebao can be increased by more than 10 times. Users of Yu 'ebao use the original scattered demand funds to flexibly invest in money funds, and the natural yield will "explode".
2. Risk. Industry insiders told reporters that Yu 'ebao's income is actually to buy the money fund behind it to increase Bao Li's income. Money funds are not bank deposits, and the market is risky. However, the Yangzi Evening News reporter checked the balance bar in Alipay wallet and found no relevant risk warning.
Extended data
The size of the money fund will exceed one trillion.
According to the data released by the central bank recently, RMB deposits decreased by 940.2 billion yuan in June 5438+ 10. It is worth noting that in just over 20 days, the scale of Yu 'ebao has increased from 250 billion yuan to more than 400 billion yuan.
On February 19, the Securities Investment Fund Association announced that in June 1 Monetary Fund had reached 953.242 billion yuan, up 27% from the previous month, and the total scale approached the trillion yuan mark.
According to 2 1 century report. Com, on February 2 1 day, the regulatory authorities held a small-scale closed-door meeting to give a risk warning to the money fund that is about to exceed one trillion yuan, focusing on the income risk and liquidity risk of the money fund and the "various treasures" that are currently selling well.