I think UnionPay products are more reliable. Yinbao products refer to financial products jointly launched by banks and insurance companies, which usually include bank deposits, wealth management and insurance.
1. security: jointly supervised by banks and insurance companies.
2. Profitability: the income is relatively high, but the risk is correspondingly large.
3. Liquidity: convenient for investors to redeem at any time.
4. Supportability: Insurance companies provide guarantee for bancassurance products.
5. Robustness: give priority to with steady investment, with low risk.
6. Transparency: Investors can fully understand the product situation.
7. Compliance: meeting the requirements of national financial regulations.
8. Brand strength: the brand strength of banks and insurance companies.
9. Product term: The term of bancassurance products is usually longer.
10. Investor demand: Investors should choose appropriate bancassurance products according to their own conditions.