The change pass is essentially the same as Yu 'ebao, and it is a wealth management product that cooperates with the fund. The fundamental purpose of Tencent's opening up the change pass is, of course, to solve the problem of capital precipitation, to let users leave their money in WeChat as much as possible, and to let users' money circulate in WeChat scenes as much as possible, whether it is consumption or preservation and appreciation. Is the so-called closed loop.
As for risk and credit, Tencent's scale status today is generally no problem. For our consumers, whether it is a change pass or a balance treasure, one depends on the rate of return and the other on convenience.
Advantages of saving money in change orders:
1, change can generate income, which is higher than the recent 1 year demand deposit yield, and change and bank card funds can be transferred to enjoy the income.
2. The money in the change account can be received at any time, within 2 hours of 1 0,000 every day. However, it should be noted that only the funds transferred from the bank card can be transferred to the card for free, and those transferred from change can only be transferred to change.
The money in the change account can be paid directly. Like small change, the change pass can be directly used for red envelopes, transfers and consumption. When you pay online with WeChat, you can also deduct money directly from the change pass.
Precautions:
1, change pass is essentially a money fund, which belongs to a kind of wealth management products, but the money fund itself is a low-risk wealth management, and the risk level is basically similar to that of bank deposits. Although there are risks in theory, there will be no risks in actual operation, which is basically between 2.2% and 3% at present.
2.7 annualized rate of return is actually a floating value, which changes every day. For example, if you see a product with a high annualized rate of return at present, the rate of return may drop after replacement, and there is no need to replace the product frequently.
Baidu Encyclopedia-Change Pass