Individuals are not professionals in the related fields of financial securities, and what they say may not be right, so just say what they know. Get to the point first. The first thing to make sure is that the money is still there.
The money we put in Alipay and WeChat is actually divided into two parts, one part is change, which can be used at any time, and the other part is wealth management products invested and purchased. Let me say it alone.
1. Let's talk about financial investment first. If you buy Yu 'ebao or other funds (including WeChat), then the money actually enters the fund company. On Alipay, it is just a platform for us to buy things. The funds eventually flowed to various fund companies, including Yu 'ebao, with Tian Hong Fund behind it. If Alipay goes bankrupt, the fund will not be affected, because the money is still in their respective fund companies and our investment is still there.
If the fund company goes bankrupt, will it affect our investment? According to the regulations of the CSRC, the fund must have an investment fund managed by a third-party custodian bank. If the fund company goes bankrupt, there are still investment funds entrusted by the bank, so under normal circumstances, the investment funds are still there. From a legal point of view, even if the fund management company goes bankrupt or even the custodian bank has an accident, the person who collects debts from it has no right to touch the assets of the investor's fund account, so the security of the fund assets is very guaranteed. Another possibility is that after the fund company goes bankrupt, it may be taken over by another company to ensure the stability of the market, similar to when an insurance company goes bankrupt, other insurance companies will take over the original policy.
2. Let's talk about the balance in Alipay and the change in WeChat. According to the Notice on Relevant Matters Concerning the Implementation of Centralized Depository (20 171effective) issued by the central bank at the beginning of 2017, this part of money belongs to reserve funds, and the central bank explicitly requires that future reserve funds be deposited in designated accounts and supervised by the central bank, and payment institutions shall not misappropriate or occupy customer reserve funds. At present, the requirement for online deposit is to pay 20%, and the first deposit will be implemented from April 2065438 17. According to the requirements, the final payment institution shall deposit all the customer's reserve funds into the centralized depository account.
So if Alipay and WeChat both go out of business, we should be able to get them back because they are managed by the central bank.
Back to the problem itself, both WeChat and Alipay have closed down, and our money is still there. As for whether it can be raised, it depends on what process we take after the closure, and how to solve it, whether it is automatically returned to everyone's account, or other platforms take over, and then personally withdraw cash. This depends on the final solution. As long as the money is still there, we will certainly get it.
Final conclusion: Is the money in Alipay and WeChat really safe (personal theft does not belong to the security I am talking about here)? In the end, it depends on the state to supervise, and it is not enough to rely on the enterprise itself. The improvement of relevant national laws and regulations can really protect the investment of most of us. Financial supervision is related to all aspects of capital security, not just talk.
Many people think that the state should supervise, especially the supervision of third-party payment that has penetrated into our daily life, which is harmful to us and enterprises. If there is no supervision, I am afraid that most of the money in our WeChat and Alipay will not be recovered. When enterprises have financial difficulties, they will be misappropriated to a great extent, and it is useless to rely on moral constraints. It should be noted that some payment institutions have new misappropriation, occupation of customer reserves and other violations.
The online clearing platform launched last year should also be based on regulatory considerations. Here is the proportion of shareholders' investment in this platform (see figure).
The above results are based on my personal understanding. Non-professional financiers, please correct me if you have any mistakes. Thank you!
I'm glad to answer your question. With the advent of the mobile payment era, more and more people choose to deposit their change and deposits on these third-party payment platforms.
For example, Alipay and WeChat are the two most commonly used apps. Putting money into it is not only convenient to pay, but also profitable. Why not?
So if Ali and Tencent really go bankrupt one day, what about the money we put in Yu 'ebao and WeChat?
In fact, Alipay and WeChat are only third-party payment platforms. Note that they are just platforms. For example, Yu 'ebao, although Yu 'ebao is a product launched by Alipay, Alipay only provides a platform for money funds, and users' money is only delivered to connected money funds through the platform of Yu 'ebao.
And we all know that the money fund company behind Yu 'ebao is Tian Hong Fund, the largest money fund company in China. As long as nothing happens to them, your money will be fine.
Even if Tencent and Ali go bankrupt, your money is still in this money fund. As long as you find the official entrance of the fund and verify your identity, you can take out the money you put in.
At present, there is basically no possibility of bankruptcy of Alipay and WeChat, but in theory, Alipay and WeChat still have the possibility of bankruptcy. Usually, the funds put by users in Alipay and WeChat are divided into two parts, one part is Alipay balance and WeChat change, which belong to the reserve funds of Alipay and WeChat, and the other part is wealth management, funds and other products on Alipay and WeChat wealth management platforms. If Alipay and WeChat fail, the balance of users on Alipay and WeChat may generally cause some losses, while the wealth management and fund products purchased through Alipay and WeChat are basically unaffected.
1. If Alipay and WeChat go bankrupt, the balance of Alipay and WeChat change will be damaged.
If Alipay goes bankrupt, the balance of Alipay of users and merchants, the money collected by merchants in Alipay and other funds deposited in Alipay may suffer losses.
If WeChat goes bankrupt, users will deposit funds on WeChat change, which is a kind of reserve for WeChat and easy to cause losses.
According to the regulations of the People's Bank of China, from July 9, 20 18, the proportion of centralized deposit of customers' reserve funds of payment institutions will be gradually increased every month, with 20 19 years 10/00%. A large part of the reserve funds for Alipay and WeChat must be deposited in the People's Bank of China. Even if Alipay and WeChat go bankrupt, a large part of the funds deposited by users on Alipay and WeChat can still be recovered.
If Alipay and WeChat go bankrupt, the wealth management products purchased by users on Alipay and WeChat will not be affected.
The balance treasure, wealth management and fund products purchased by users on Alipay platform are not deposited in Alipay, so even if Alipay goes bankrupt, the wealth management products purchased on Alipay platform will not be affected, and they can still be withdrawn through the issuers of wealth management and fund products. It should be noted that users need to redeem Yu 'ebao through the specific money fund docked by Yu 'ebao.
However, the money, wealth management and fund products purchased by users on WeChat financial platform are not deposited in WeChat, so even if WeChat goes bankrupt, the wealth management products purchased on WeChat financial platform will not be affected, and they can still be cashed out through the issuers of wealth management and fund products. The redemption of the user's change pass needs to be paid by the money fund connected with the change pass.
To put it simply, Alipay, for example, is a porter who moves money from one place to another. It's still a bank warehouse, but the warehouse is different. If you transfer 10,000 yuan from the bank to Alipay, the money is actually still in the bank, but it has just entered the special account for reserve funds opened by Alipay in the bank. In the past, there was a lot of money in the reserve account and interest was charged. Now the interest paid by the central bank is gone. So in theory, third-party payment will fail unless the number of users is too small to maintain operating costs. Alipay's user base is large enough that it will not go bankrupt in theory. However, Yu 'ebao is risky. Although the money fund is very safe, the balance treasure is too big, more than one trillion. Once rumors or something cause a run, the consequences can be imagined. This is also the root cause of the decrease in the amount of Yu' ebao. In short, third-party payment will go bankrupt because of the asymmetry of operating costs and the number of users. The money is safe, the money is still in the bank, in the bank, in the bank. The important thing is to say it three times. There is no case of paying the company to run away.
Don't trust Alipay, don't trust WeChat, don't even trust the bank, find a jar to put the money in! Dig a hole under the bed and bury it. Step on the gas! This is how I save money. . .
This is divided into two parts: one part is the reserve fund (such as the balance of Alipay or the change of WeChat), and the other part is the investment and wealth management fund (such as purchasing Yu 'ebao or other wealth management products).
The funds for investment and wealth management have nothing to do with Alipay and WeChat, and the money has not entered their accounts. They are just sellers, selling things, earning some fees, and managing operations are all responsible for docking wealth management or fund companies.
If Alipay or WeChat goes out of business, you can go to official website, go to a wealth management or fund company, or take it out by other means. For example, my sister bought pure income insurance financing in CreditEase Finance. When she needed money last year, she found that CreditEase Finance no longer sold pure income insurance financing on commission. Their tip is to register an account with an insurance company in official website. Later, the author did it, and it was easy. You can take it out by registering an account.
Therefore, there is no need to worry too much about investing in investment funds such as Yu 'ebao or Change Pass. They are all docked with the monetary fund. If Alipay or WeChat fails to sell the docked money fund, we can also take it out through other channels, such as going to the fund official website.
As for the reserve fund, we should be worried. There is no enterprise that will never fail. It is only a matter of time. Even if Nokia Motorola and others are not on the verge of bankruptcy, they will eventually be acquired. Especially in the subprime mortgage crisis in 2007, American banks and large enterprises closed down.
Once Alipay or WeChat goes bankrupt, the reserve fund may be affected, because the reserve fund enters their bank account and is misappropriated.
Of course, if it is not misappropriated, the closure of Alipay or WeChat will not affect the user's funds, but who will be so honest and rich and not make money? Among them, Yu 'ebao can be directly used for consumer payment and transfer. It is Alipay's misappropriation of reserve funds, including WeChat's change pass.
Yu 'ebao is connected with the money fund, and the redemption of the fund needs a confirmation process, and it will take one day at the earliest. We can use Yu 'ebao to pay for consumption transfer, which is formed by Alipay's advance payment with reserve fund. After the share of Yu 'ebao is redeemed, the reserve fund will be returned.
Before the promulgation of the Measures, many third-party payment companies would take out a part of customers' reserve funds for higher-yield small and micro enterprise credit, and a small part would be deposited as demand deposits to generate interest. (Baidu Encyclopedia from Reserve Fund)
In other words, if Alipay or WeChat misappropriates a large number of comments to make up for other operational losses, once it goes bankrupt, it may lead to the user's funds not being recovered (still a small probability event).
Enterprise bankruptcy is mainly divided into two categories, one is bankruptcy reorganization and the other is bankruptcy liquidation. The former, after the restructuring, enterprises have to bear liabilities, so they don't have to worry too much about not getting their funds back, but once they go bankrupt and liquidate, they may not get them back.
Many people may be worried about this situation. If Alipay and WeChat go bankrupt, our money will not be gone, and normal withdrawal may encounter some twists and turns.
First of all, our money in Alipay and WeChat belongs to our users, and this money cannot be misappropriated by Alipay and WeChat under any circumstances. The money we put in these payment tools is just a number lying in the balance of Alipay and WeChat. These platforms need to pay the same amount of funds and put them in the central bank. Previously, the central bank stipulated that the payment methods of these payment platforms could only be paid by the central bank. In other words, Alipay and WeChat can no longer control users' money, they just become a payment channel.
Secondly, if Alipay and WeChat platforms fail, how to extract these balances? Although Alipay and WeChat don't know the user's money, the user's money is placed on these platforms. Once the platform closes down, the cash withdrawal function will not be so smooth, and it will be limited by the platform. It may be that users with a lower amount can make suggestions relatively smoothly, while users with a larger amount may be slower.
I don't think there is any need to worry about this situation at all, but your money will not run away after all. Alipay and WeChat may delay the user's successful withdrawal, but they can still receive the full amount.
Hello friends, I trust Alipay and WeChat relatively. After all, it is large in scale, strong in strength and well managed. But the problem in the title is very clear: the problem in the title, whether the money inside can be taken out, is related to the specific product you put in. Today, I will share with my friends which one they can take out, how much they can take out and which one they can't take out.
First of all, it is necessary to understand that the funds in Yu 'ebao have different storage products and properties:
There are funds in Yu 'ebao and WeChat, and there are three products and capital flows:
1, balance, wallet (note, it's not Yu 'ebao, it's a change pass). Cash in AliPay and WeChat.
2, Yu' ebao, change. This is essentially money fund financing, and money has actually entered the money fund products of fund companies.
3. Other investment and financial management. For example, various purchases, such as Alipay, WeChat, current account, regular wealth management, bank deposit, fund investment, precious metals investment, insurance and so on.
Summary: In Alipay and WeChat, the money saved is mainly these three products.
Secondly, we assume that Alipay merged and closed down. Can we withdraw money from it?
1, balance: This belongs to the cash saved by Alipay and WeChat customers in the payment of WeChat by Yu 'ebao. His ownership and use rights are entirely owned by the customer. Alipay and WeChat have no right to use or ownership. They just provide services to customers and are not affected by Alipay and WeChat operations. This money can be withdrawn.
2, Yu' ebao or WeChat's change pass. Even if Yu 'ebao or WeChat goes bankrupt, it has nothing to do with the fund company. Yu 'ebao is connected to Tian Hong Fund, and WeChat change is connected to Huitianfu Fund. This money belongs to the fund management of these two fund companies and can be handled according to the corresponding rules.
3. Various wealth management products, funds, deposits, insurance, precious metal wealth management, etc. purchased in Alipay and WeChat. This product has its own issuer, and the customer's money is equivalent to buying the wealth management products of these units. Therefore, it is not affected by Alipay and WeChat operations. At that time, the issuers of these products will continue to provide services and redeem them according to the corresponding rules of these products.
Summary: The money deposited by customers in Alipay and WeChat belongs to customers. There are many destinations for purchased products, and each destination has its own product issuer, who provides services to customers.
Finally, summarize and analyze:
There are three main types of customers' capital flows in Alipay and WeChat. In any case, money belongs to investors. Alipay and WeChat only provide convenience and value-added services to operate.
Therefore, assuming that Alipay and WeChat go bankrupt and the customer's money is still the customer's, there will be corresponding product publishers who will continue to provide services and feel at ease.
1. Will Alipay WeChat go bankrupt?
Whether Alipay or WeChat will go bankrupt is only a matter of time according to historical data. Since ancient times, no enterprise in China can live for a thousand years, and a century-old enterprise is already very good, especially the financial market is changing rapidly.
2. Can Alipay and WeChat not be mentioned?
Our funds on Alipay or WeChat are only virtual figures, and the real money is in the reserve deposit account opened by Alipay and WeChat. The money is in the bank account and can be withdrawn as long as the bank does not close down.
Alipay and Tenpay (WeChat) are both enterprises with third-party payment licenses issued by the central bank, and they operate legally and in compliance. The remaining funds in the customer's account shall be kept by the designated bank and the central bank in accordance with the Provisions on the Administration of Customer Reserves. Under special circumstances such as enterprise bankruptcy, the balance of funds in the customer's payment account is completely guaranteed, and there will be no situation in which it cannot be withdrawn.
Analysis: Should you sell to take profits when the fixed investment return rate reaches 30%?