Yu Bao Li is actually an upgraded version of "Wealth Management Artifact" jointly launched by online merchant bank and Tianhong Fund, which extends the advantages of Yu 'ebao. The income is higher than that of Yu 'ebao, which also extends the advantages of Alipay, with good stability and no handling fee. Unlike Yu 'ebao, Yu 'ebao Bao Li cannot be used for payment. However, in terms of financial performance, Paulie is much higher than Yu 'ebao.
First, break the restrictions and get rid of the limitations of financial management.
The limit of Yu 'ebao is 6,543,800+,and the single-day limit is 20,000; The personal limit is 6,543,800,000, the maximum deposit of an enterprise is 50,000,000, the personal withdrawal limit is 6,543,800,000, and the enterprise withdrawal limit is 5,000,000. I exist to accept customers with large deposits. To this end, Alipay has kept the income of Yu 'ebao about 0.2% lower than that of Yu Bao Li to attract large customers.
Second, it has a wide audience and is suitable for individuals and small and micro enterprises to manage their finances.
Yu is a cash management product for small and micro enterprises and individual small and micro operators, which is essentially aimed at businesses. However, Bao Ge believes that Yu Bao Li can be applied to individuals and small and micro enterprises. Due to the influence of the limit, in fact, many people who save money in Yu 'ebao are forced to deposit their money in the bank for regular financial management. However, since Yu 'ebao Bao Li came out, its limit of 6,543,800+million is enough for most people, and its income is higher than Yu 'ebao. It is completely suitable for putting spare money other than living expenses into Yu Bao Li, and Yu Bao Li can transfer it to Alipay balance at any time, which is also very convenient for payment. For merchants, Yu Bao Li can realize the function of automatically transferring to Alipay balance, which can help small and micro enterprise operators to automatically realize balance financing after collecting money.
Third, real wealth management products, funds do not stand guard.
In the past, if you put money in Yu 'ebao, you will find that although the income is increasing, the total amount has been decreasing. That's because the positioning of Yu 'ebao's "current wallet" determines that the income of Yu 'ebao can only be used for breakfast. People are used to paying with Yu 'ebao, so the money in Yu 'ebao is not fixed. Although there are bills, it is difficult to keep accounts. In addition, putting money in Yu 'ebao will inevitably lead to uncontrollable spending, which is not conducive to opening the road to savings and financial management. I don't have a payment function, and the money inside will only be more than it is now, which can effectively avoid the embarrassment of buy buy.