What are the financial products similar to Yu e Bao?

Welcome to CMB Personal Finance Management Product, you can choose according to your investment preference, risk tolerance, liquidity and other comprehensive considerations.

Both online banking and mobile banking of China Merchants Bank can view the local and foreign currency wealth management products on sale, pre-sale and past of China Merchants Bank. You can log in to mobile banking, select "All" and then click the funnel button through "My Wealth Management Products", and then click the funnel button to filter the products on sale in an advanced manner. Or at the top of the page, you can search for the product you want to know about by ** and name. (Tips:.)

Please read the product manual carefully before purchasing).

China Merchants Bank also has a "Chao Chao Ying" product similar to Yu Bao, and "Chao Chao Ying" is connected to China Merchants ** Zhao Qian Bao currency ** class B (**: 000607). Minimum purchase of 1 point, redemption of 1 point, limit of 50,000; 7*24 hours to transfer in and out at any time, no fees; Quick redemption up to $10,000 per day, immediately credited.

**Company direct sales baby.

Fu Guofu Wallet, GF Money Bag, Huaxia Current Pass, China Universal Cash Treasure.

Bank Department Baby.

Industrial Bank Shopkeeper Wallet, China CITIC Bank Salary Cooker, Bohai Bank Tianjinbao, Minsheng Direct Bank Rooibos.

The above list is all kinds of products with leading benefits and convenience, and other products that have no characteristics are ignored. Because there are so many.

If you don't understand anything, please sincerely welcome to ask; If you are lucky enough to help you, please be in time! Thanks!

Yuebao is a balance financial management service launched by Alipay, and the money is transferred to Yuebao, which is actually the currency, and the funds can be withdrawn freely, and the income can be obtained in it. At present, financial management similar to Yu'e Bao mainly includes:

2. Bank wealth management products: China Merchants Bank Chaoying, Minsheng Ruyi Bao, Bank of China Current Treasure, ICBC Salary Treasure, etc.

Extended Materials. Brand Profile.

Purchase from 1 yuan, and you can manage money regularly - the birth of Yu'e Bao in 2013 is generally considered to have created the first year of Chinese people's Internet financial management, and Yu'e Bao has become the most typical representative of inclusive finance. One year after its launch, it not only made tens of millions of people who had never been exposed to financial management more aware of financial management, but also activated the technology and innovation of the financial industry, and promoted the process of market interest rateization. Yang Chi, a researcher at the Development Research Department of Huaxia Bank, said that the emergence of Yu'e Bao, on the one hand, meets the growing asset allocation needs of residents, and is a good supplement to the existing investment products, which not only improves the financial income, lowers the financial threshold, but also awakens the public's financial awareness.

Wu Xiaoqiu, director of the Institute of Finance and ** of Renmin University of Chinese, said that the core contribution of Yu'e Bao lies in establishing the wealth of balance funds and establishing the approximate scale of market-oriented interest rates, which is conducive to promoting the process of interest rate marketization.

Yu'e Bao is not only an "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. In March 2015, Yu'e Bao pioneered the use of buying houses, which was a big breakthrough in the consumption scene of Yu'e Bao, and it was also the first time that the real estate industry introduced Internet financial tools.

At that time, Fangxing Real Estate jointly launched the Yue Bao house purchase project on the ** network, and released 1,132 sets of ** support for Yu Yu Bao in Beijing, Shanghai, Nanjing and other top ten cities in the country: after the buyer pays the down payment through the ** network, the down payment will be frozen in the Yu Yu Bao. Before the official delivery of the house or 3 months after the down payment, the Yue Bao income generated by the down payment is still owned by the buyer.

This means that you can make a profit on the down payment by handing over the house first and then paying for it.

It is precisely because of the birth of Yu'e Bao that it has expanded the channels of public financial management, and under the influence of Yu'e Bao's strong capital accumulation effect, major banks have launched Yu'e Bao-like products to meet the challenges, such as Ping An Bank launched "Ping An Ying", Minsheng Bank launched "Rooibos", China CITIC Bank and Xincheng** launched "Salary Cooker", Industrial Bank launched "IB Bao" and "Shopkeeper Wallet", etc. Most of these banks are the currencies of the banks and the company. However, the emergence of the "baby" army has not affected the status of Yu Bao's largest currency in China.

Which bank wealth management product or Yu'e Bao has the highest expected annualized expected return?

Ordinary investors are accustomed to comparing the seven-day historical expected annualized expected rate of return of Yu'e Bao with the average historical expected annualized rate of return of bank wealth management products, or with a specific wealth management product on sale. In fact, there are two errors in this comparison. The first is to compare products with different risk types and different liquidity.

The second is to make an absolute comparison between the seven-day historical expected annualized rate of return of Yu'e Bao on a certain trading day with the historical expected annualized rate of return of bank wealth management products.

In terms of expected annualized expected returns, the expected annualized expected returns of Yu'e Bao and bank wealth management products are different, Yu'e Bao is based on the expected annualized expected return of the daily actual investment expectation of expected return distribution, investors can get the expected annualized expected return of the day on T+1 day at the latest, while bank wealth management products can only obtain the expected annualized expected return of investment at the end of the investment. However, the different risks and liquidities require different levels of investment returns, so there is not much comparison between the expected annualized expected returns.

Which is the lower risk of bank wealth management products or Yue Bao?

If you compare Yu'e Bao with bank wealth management products, both have certain risks. The risks faced by "treasure" products include: regulatory risks, the popular No. 107 document includes the money market** in the classification of shadow banking, and most Internet wealth management products are directly invested in the stock base, and the issuers of such products and the supervision in subsequent operations need to keep up; The expected annualized interest rate risk, although it is not visible in the short term, is like the fluctuation of the economic cycle, and the annualized interest rate is expected to fall at some point in the future.

Bank wealth management products do not have a unified investment scope, so the risk of investing in different types of products is also different, but on the whole, the investment scope of bank wealth management products is more extensive, and some products also include high-risk financial instruments such as ** and **.