1. Status of Yu 'ebao
First of all, we need to know the current situation of Yu 'ebao. The balance treasure launched by Alipay is a monetary fund, which is used for income distribution and wealth management. At present, it has more than 65.438+0.2 billion users and is one of the largest fund companies in China. From 2065438 to August 2009, the annualized rate of return of Yu 'ebao on the 7th was 2.3038%. In the context of slowing global economic growth, this rate of return is even higher than the deposit interest rate of many countries.
2. Risks and measures of the International Monetary Fund
So, is the money fund risky? Of course there is. Money funds are actually bond funds, which buy bonds through fund companies. Bank of Communications said: "The risk of money funds is lower than that of equity funds, but this does not mean that there is no risk at all." . The most important risks are credit risk and interest rate risk.
In order to deal with these risks, the government and regulatory authorities have taken various measures. For example, the limit of holding a single account of the money fund has been strictly restricted to prevent some large funds from over-investing; At the same time, fund companies are also required to do a good job in risk identification and risk control to increase the market stability of investment.
3. Alipay's safeguard measures
In addition, Alipay has also taken various measures to protect the interests of users. First, Yu 'ebao does not accept the investment of financial planning, but adopts the management method of fund pool. This method can help reduce risks and bring relatively stable benefits to users. Second, Alipay will allocate a large part of the funds invested by Alipay Yu 'ebao to purchase government bonds and strengthen its ability to resist risks. Third, Yu 'ebao has a very low threshold and can be withdrawn at any time, and there is no limit on the number of withdrawals, which is convenient for users to transfer funds in time when needed.
4. Conclusion
To sum up, the long-term existence of Yu 'ebao's money is actually not risky. Although the risks of the money fund exist, the government and regulatory authorities are also stepping up efforts to reasonably limit and control the investment of the money fund. At the same time, Alipay has also taken various measures to protect the interests of users. Therefore, Yu 'ebao is a better choice for assets that need to be stored for a short period of time.