You have to see if everyone's loans and medical loans have exceeded the loan interest rate by four times during the same period. Generally speaking, not.
Questions about Yu 'ebao
If you save less, you will not be afraid. If you deposit too much, it's not very safe. You can't keep all your property.
1. Advantages of Yu 'ebao:
1. Good liquidity and convenient transfer.
2. Let's look at a set of income comparison data. At present, the annual interest rate of RMB demand deposits in banks is 0.35%, and the seven-day annualized rate of return of Yu 'ebao is generally around 4.5%-5%, which is at least 12 times higher than that of demand deposits. The income advantage is self-evident.
3. Alibaba established Ali Microfinance Group, with guarantee companies and loan companies. With abundant funds, it has been ready for a long time, and its ability to cope with unknown risks is stronger.
4. Yu 'ebao is more convenient. Relying on Alipay platform and real-name authentication, if you want to buy Yu 'ebao, you can pay and subscribe directly on Alipay without opening a separate account.
Second, the risks of Yu 'ebao:
1. The income of Yu 'ebao comes from the money fund (wealth management products). The income is not fixed, but the fund investment will be risky. Isn't there something wrong with the bank's wealth management products?
2. According to the regulations of the central bank on the management of third-party payment platforms, the balance of Alipay can purchase agreement deposits, and there is no clear regulation on whether to purchase funds. Yu 'ebao's practice of realizing the fund sales function with the help of Tian Hong Fund is playing a marginal role. From a regulatory point of view, Yu 'ebao is illegal. Once the regulatory authorities attack, Yu 'ebao may be stopped.
3. Yu 'ebao transfers bank cards and money funds through Alipay, that is, funds are transferred from personal bank cards to Alipay, and then from Alipay to Yu 'ebao, and Yu 'ebao invests in money funds; The traditional money fund is from personal bank card to money fund. In other words, because of Alipay, Yu 'ebao destroyed the closed cycle of the banking system in which funds were transferred from personal bank cards to money fund custodian banks. Once there is a loophole in the personal Alipay link, the client's funds will be at risk.
4. Yu 'ebao didn't remind users of the investment risks of money funds. Once the users of Yu 'ebao have income disputes, legal disputes are hard to avoid, and the resulting impact is hard to estimate.