What is the difference between Yu Bao and Yu Libao and which one is more convenient

Most people know that "Yu Libao" is an investment product in Alipay, but "Yu Libao" may not have been heard of by many people, in fact, it is another name for online banking currency. After reading this article, you can clearly understand the difference between Yu Libao and Yu Bao. 1. What is the difference between Yu Libao and Yu Bao?

As we all know, Yu Bao is mainly an investment product in Alipay, while Yu Libao is mainly a cash management product for small and micro enterprises and small and micro operators, with the characteristics of low risk and high liquidity. Now Alipay Yu Bao received the central bank's regulation, the implementation of cash withdrawal to charge, but Yu Libao can avoid this, if you transfer your balance in Alipay directly to Yu Libao, you can withdraw for free, and the income of money in Yu Libao is also higher than that of Yu Libao, and Yue Bao is different from Yu Libao is that you can't directly use Yu Libao's money for online shopping, but if you want to withdraw, you can achieve instant arrival. MYbank, like many small banks, does not charge any handling fees for inter-bank transfer in or out, and it is not impossible to use Yu Libao's money for shopping, after all, it is equivalent to a bank card, with fast payment, and directly binding the MYbank bank card to Alipay, it is also possible to realize the desire to consume and shop online.

2. What is the difference between Yu Libao and Yu Bao's customer groups? Yu Libao's customer groups are mainly Tmall and ** bazaar, enterprise sellers can use it in Qianniu and seller centers, and Alipay's V2 real-name authentication enterprise users can use it in Alipay Enterprise Edition; MYbank invites users to use it in the MYbank app; Corporate Internet Banking users can use it in Corporate Internet Banking; Other users are currently unavailable. The Yu Yu Bao is mainly invested by ** buyers and friends who have spare money.

3. What is the difference between Yu Libao and Yu Bao? At present, Yu Libao can only invest in MYbank launched by Jack Ma, and cannot be used in Alipay. In general, the launch of Yu Libao finally provides a flexible and large financial platform for enterprise-level sellers.

It greatly facilitates the inflation-resistant option of the balance of the enterprise-level seller's account. 4. What is the difference between Yu Libao and Yu Bao? Although the yield of Yu Libao and Yu Libao is not the same, the calculation method is similar, and the current daily yield of Yu Libao is about the same, and the yield of Yu Libao is about the same.

Hope it helps!

What is the difference between the balance of the balance and the balance of the treasure.

The main differences between Yu Libao and Yu Libao are: Yu Libao and Yu Libao target different user groups, the limits of Yu Libao and Yu Libao are different, and the income of Yu Libao and Yu Libao is different.

Yu Bao and Yu Libao, both of which belong to Tianhong**'s currency** products, Yu'e Bao was launched in 2013, and Yu Libao was launched in 2015.

First of all, Yu'e Bao and Yu Libao are aimed at different user groups, Yu'e Bao is for all real-name individual users of Alipay, while Yu Libao is for some small and micro enterprises and operators to provide financial services, if the user is not an operator, it does not support the opening of Yu Libao products.

In terms of income, although the rate of return of currency ** is not fixed, but generally at the same time Yu Libao's income will be slightly higher than Yu Bao, some users have done statistics, statistics of the average income of a month, Yu Libao's annualized income is, and the average income of Yu Libao in the same month is annualized.

The maximum amount of Yu Libao and Yu Libao is 100,000 yuan, and the maximum amount of Yu Libao can reach 10 million yuan, and the investment threshold of Yu Libao and Yu Libao is Yuan.

There is also a certain difference between Yu Libao and Yu Bao in terms of redemption group recovery, if it is the balance of Alipay transferred to Yu Bao, then the redemption can only be redeemed back into the balance, and the withdrawal fee that needs to be paid for withdrawal. If the balance of Yue Bao is transferred to Yu Libao, it can be withdrawn directly in the later stage without paying the withdrawal fee.

Yu'e Bao is a wealth management product launched by Alipay in 2013, and Yu Libao is a financial product launched by Alipay in 2015.

1. The target customers are different. Yu'e Bao is aimed at Alipay individual users, while Yu Libao is mainly aimed at small and micro enterprises and individual small and micro operators;

2. The benefits are different. Although Yu Libao and Yu Libao are both monetary ** financial products, but the average income of these two products is slightly different, from the average income, Yu Libao's income is slightly higher than that of Yu Bao;

3. The payment is different. The funds in Yu Li Bao can be directly used for consumption purposes, but the funds in Yu Li Bao cannot be directly consumed;

4. The handling fee is different. If the funds in Yue Bao are transferred through the Alipay balance, they can only be redeemed back to the Alipay balance, and if they exceed the 20,000 cumulative free town rent quota given by Alipay to the royal car, a handling fee will be charged according to the excess amount, and the redemption of Yu Libao does not require any handling fee at present.

The difference between Yu Bao and Yu Libao: different convenience, different service objects, different maximum amounts, different interest, and different withdrawal procedures.

Different convenience: Yue Bao can be paid directly for online shopping, and you can directly choose to pay for Yue Bao in the hall when paying. Yu Libao cannot pay directly online.

Different service objects: Yu'e Bao is for ordinary users, and users who have registered an Alipay account have Yu'e Bao. Yu Libao is jointly created by MYbank and Tianhong**, mainly for small and micro enterprises or operators, and Yu Libao's application has a certain threshold.

Different maximum amounts: At present, the deposit limit of Yue Bao is small.

Different interest: Both are investment currencies**, and the interest is settled on a daily basis, but Yu Libao's income will be slightly higher than that of Yu Libao.

Different withdrawal procedures: Yue Bao withdrawal exceeding a certain amount will be charged, while Yu Libao withdrawal is exempt from handling fees. As shown in the figure below.

Yue Bao

It is characterized by easy operation, low threshold, zero handling fee, and can be used at any time. In addition to the financial management function, Yu'e Bao can also be directly used for shopping, transfer, payment and repayment, and other consumer payments, which is a cash management tool in the mobile Internet era.

The role of Yu Yu Bao

It is not only the "artifact" of national financial management, but also continues to enter various consumption scenarios, continuously bringing small and beautiful changes to users. Since 2014, Yu'e Bao has successively launched projects such as zero-yuan mobile phone purchase and Yu'e Bao car purchase, so that Yu'e Bao users can enjoy special preferential rights and interests, and also see the imagination of Yu'e Bao in the field of consumption.

Yu Libao

Yu Libao is aimed at individuals, small and micro enterprises and small and micro operators, etc., with the characteristics of low risk and high liquidity, and the rate of return is generally slightly higher than that of Yu Libao. From the perspective of the 6th growth of the day, it is a low risk.

Yu Libao features:

It has the characteristics of low risk and high liquidity. Its background is Alipay Tianhong**, only users deposit money into Yu Libao will have income, so there may be no money in Yu Libao's account if there is no income for the time being. If there is no income, it can also be seen whether the income has not been reached.

The annualized rate of return is based on the income of seven days to estimate the income of 365 days, and the income of 10,000 yuan is the actual income obtained by saving 10,000 yuan per day. If there is very little money in the account, then the seven-day income and 10,000 percent income cannot be displayed, and it will also indicate that there is no income for the time being.

1. Online time.

Yu Bao was launched in 2013, and Yu Libao was launched in 2015.

Second, the way to purchase.

There is still a difference between the two in terms of purchase methods, Yue Bao is purchased on Alipay, while Yu Libao requires users to buy it in online banking.

3. Withdrawal Limit.

Yuling takes the treasure to withdraw money into two modes: transfer to the balance and bank card, and the balance can be received immediately, but the loss source of the bank card is still divided into two ways: fast arrival and ordinary arrival, fast arrival, and each user will have a limit of 10,000 yuan per day.

In addition, Yu'e Bao's money is not free to withdraw, each user has a free quota of 20,000 yuan, and after the quota is used up, Yu'e Bao will charge a fee.

Yu Libao's withdrawal is completely free, mainly to the bank card, which is also divided into two ways: ordinary and fast. If it is a multi-** individual user using the fast arrival mode, there will be a limit of 100,000 yuan, while a single ** user using the fast arrival mode will only have a limit of 10,000 yuan.

If this limit is exceeded, it will only be sold and will not arrive until the next working day. In addition, for business users, there is no limit if you want to transfer money to Alipay.