Opening online merchant banks should pay attention to the following three points:
1. Is Alipay account risky?
When you open the online merchant bank, you will be prompted "Your online merchant bank account has been associated with Alipay account, please log in with this account". In this way, Alipay users only need authorization and do not need to register and open new users. The major shareholder of the online merchant bank is Ant Financial, and Alipay is also the product of Ant Financial. There are many similarities between the two, so there is no risk in using one account.
2. Is there any risk that it cannot be cancelled after opening?
It should be noted that online merchant banks can only bind one Alipay account under their personal names. If you have more than one Alipay account, please choose the commonly used one when opening it. At the same time, individuals only have the right to open online merchant banks and have no right to cancel them. We can unbind the bank card and unbind the Alipay account, but this is not cancellation. However, the security of online merchant bank accounts is the same as that of ordinary bank accounts, and there is no risk even if it cannot be cancelled.
3. Is it risky for money to exist in online merchant banks?
As a formal private bank, online merchant banks have absolutely safe deposit business. In China, all bank deposits within 500,000 yuan can enjoy the protection of deposit insurance regulations, and the deposit business of online merchant banks is also applicable. You may think that online merchant banks have no service outlets and no physical bank cards, so the security of their deposits is not guaranteed. But with the deposit insurance regulations, the deposit safety of online merchant banks is the same as that of ordinary banks.
Extended data:
Where can the online merchant bank manage money?
1, balance (liquidity, as you deposit and take)
Yu is a cash management product jointly created by online merchant banks and funds for small and micro enterprises and individual small and micro operators. The product itself, Yunshangbao Monetary Fund launched by Tian Hong Fund, has the characteristics of low risk and high liquidity.
2. Set up a clown (flexible access, interest on the same day)
Dinghuobao is a three-year time deposit product that can be accessed at any time. Its characteristics are zero risk, stable income, withdrawal at any time, and income can be obtained the next day after deposit. The principal and interest are guaranteed, and the safety can be said to be the highest on the market at present.
3. Save it at will (how long is up to you).
Random deposit is a good short-term deposit product with a fixed withdrawal time, so investors should plan and choose according to their own use of funds. The free deposit period is limited, with a customizable period of 1 ~ 60 days, and the principal is risk-free.
There are certain risks in the wealth management products launched by online merchant banks. Investors should make a good risk assessment before investing and invest cautiously according to their own actual situation.
Cai Xi-Is it risky to open an online commercial bank? Please know these three things in advance!