Yu Libao is a cash management product mainly for individuals, small and micro enterprises and small and micro operators. The product itself is Yunshangbao Monetary Fund launched by Tianhong Fund, which has the characteristics of low risk and high liquidity, and is jointly created by online merchant bank and Tianhong Fund.

Your short-term working capital can be used to purchase Yu Libao products to gain income. The maximum holding share of an individual account is 1 million yuan, and the maximum holding share of an enterprise account is 5 million yuan. At the same time, Yu Libao has the characteristics of high liquidity. The single-day real-time redemption amount of an individual account is 1 million yuan, and the single-day real-time redemption amount of an enterprise account is 5 million yuan. The non-real-time redemption amount (T+1 fund arrives on the trading day) is unlimited, allowing you to gain value-added benefits without affecting the payment of operating funds.

The money fund has low risk, but it is not a deposit. I suggest you buy it according to your risk tolerance.

The difference between Yu Libao and Yu 'ebao:

1. The yield is different. Although the yield is not the same, the calculation method is similar. At present, the daily yield of Yu Libao is about 2.4%, while the yield of Yu 'ebao is about 2.3%.

2. Different customer groups. Yu Libao's customer base is mainly Tmall and Taobao market enterprise sellers, which can be used in Qianniu and Seller Center, while Yu 'ebao is mainly invested by Taobao buyers and friends with spare money.

3. Different investment platforms. At present, Yu Libao can only invest in the online merchant bank launched by Ma Yun, and cannot be used in Alipay.

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Extended information:

Yu Libao, an online merchant bank, is named "Tianhong Fund Yunshangbao Money Market Fund", which belongs to the money market fund, and the fund code is 1529. For more information, please visit Tianhong Fund official website. Security and risk of online merchant bank Yu Libao's funds: Security of funds: As a financial institution, online merchant bank has a perfect security system, and Yu Libao's funds can only be transferred to my online merchant bank account in online merchant app, so the funds are very safe.

investment risk: any investment has certain risks, but Yu Libao's investment is a low-risk monetary fund, such as bank deposits, certificates of deposit, government bonds, etc., and so far Yu Libao has not suffered losses. But the money fund is not a deposit, so I still want to remind you that you need to be cautious in investing.

As a financial institution, the online merchant bank has a perfect security system, and Yu Libao's funds can only be transferred to my online merchant bank account in the online merchant app, so the funds are very safe.

any investment has certain risks, but Yu libao's investment is a low-risk monetary fund, such as bank deposits, certificates of deposit, government bonds, etc., and so far Yu libao has not suffered losses. But the money fund is not a deposit, so I still want to remind you that you need to be cautious in investing.

calculation and arrival time of Yu libao's income: after the transfer, the income will be calculated on the next fund trading day, and it will be postponed in case of national holidays.

References:/baike.baidu.com/item/%E4% BD% 99% E5% 88% A9% E5% AE% 9d "target =" _ blank "title =" Baidu Encyclopedia-Yu Libao "> Baidu Encyclopedia-Yu Libao/baike.baidu.com/item/%E4% BD% 99% E5% 88% A9% E5% AE% 9d "target =" _ blank "title =" Baidu Encyclopedia-Yu Libao ">