Yu' ebao is composed of two companies, Alibaba and Tianhong Fund, among which Tianhong Fund is a state-owned asset and the largest fund company in China. The security level of Yu' ebao is equivalent to that of major state-owned banks, and the income of Yu' ebao is higher than that of two-year fixed deposits in banks. Yu' ebao is settled on a daily basis and can withdraw money at any time, which is convenient, flexible and safe within two hours. Therefore, it is very popular among people. More than 4 million people in China are using Yu' ebao to manage their finances and deposit 2,5 yuan.