What is the Chao Chaoying of China Merchants Bank, and what are the advantages compared to Yu Bao

The main differences between Chao Chao Ying and Yu Yu Bao are as follows, for your reference:

Investment products: Chao Chaoying and Yu Yu Bao are both currency** products, and the risk level is R1; Chao Chaoying: Merchants ** Zhao Qian Bao Currency ** 000607, Yu Bao : Tianhong ** Zengli Bao Currency ** 000198;

Cumulative purchase limit: Chao Chaoying 50,000, Yue Bao 1 million;

Daily monthly redemption limit: Chao Chaoying daily has no monthly upper limit, Yue Bao daily 50,000 and 200,000 per month respectively;

Yuebao can redeem less than 50,000 yuan through Alipay's mobile phone: it will arrive in 2 hours (within the agreed service time of 13 banks); The rest of the redemption will be received before 24:00 on the next working day.

The number of redemptions to the bank card: Chao Chaoying is not limited, and Yue Bao is 3 times a day;

The annualized rate of return is different.

The essence of Chao Chaoying and Yue Bao is the same, they are both currencies**. The definition of currency ** is not to hang the book bag, which is characterized by low risk, good liquidity, and relatively high returns. If you have already purchased Yue Bao, I believe you have some experience.

Difference: The most important thing is the income, at present, the income of Chaoying is higher than that of Yu Bao, and I personally speculate that this trend will continue, and the gap between the baby of the banking department and the Internet department is forming. Although there may only be an annualized difference of 1 percentage point, it depends on the amount of funds.

Liquidity, if you withdraw cash, Yu'e Bao to the bank card is very fast, and the actual operation is many times to the China Merchants Bank card, it only takes a few minutes. Chao Chaoying hasn't tried it, but according to its publicity and speculation, it should be able to withdraw cash faster.

Chao Chaoying has a limit of 50,000 yuan for purchase (I didn't see the adjustment information recently), but there is a limit on the daily redemption of Yue Bao.

Policies such as central mothers may be even more unfriendly to Internet-based babies.

In addition, it is not easy to buy online impulsively in Chaoyingli, which should also be considered an advantage.

Chao Chao Ying and Chao Chao Bao are not much different, both belong to a large platform, low-risk financial management, but from the point of view of the redemption time of funds, Chao Chao Bao can be redeemed at any time, deposited at any time, and 0 handling fees and other characteristics are better than Chao Chao Ying, followed by the amount of fast arrival, Chao Chao Bao is upgraded from 10,000 yuan to 50,000 yuan, the amount is even higher.

Extended information: 1. Chao Chao Bao and Chao Chao Ying both belong to China Merchants Bank, the difference between the two:

1. The docking products are different.

Chaochaobao is connected to the Zhaoying Cornucopia cash management financial management plan of CMB Wealth Management Co., Ltd., which is a low-risk, fixed-income product.

Chao Chaoying is the currency distributed by China Merchants Bank**, and the main docking is Zhaoqian Bao Class B.

2. The redemption time of funds is different.

Chao Chao Bao can be redeemed at any time, deposited at any time, and 0 handling fee, when using the CMB card to use quick payment, credit card repayment, POS machine card swiping, etc., there is no need to manually transfer the funds of Chao Chao Bao, users can use it directly.

If it is redeemed after 15:00 p.m. on the ** trading day or is not redeemed on the ** trading day, the redemption funds will usually arrive before 24:00 on the next two ** trading days.

3. The amount of quick arrival is different.

Chao Chaobao is upgraded from 10,000 yuan to 50,000 yuan, and can be flexibly redeemed, with no handling fees.

Chao Chaoying only has a quick redemption limit of 10,000 per day.

Through the above comparative analysis, the two products are difficult to distinguish, and only according to the actual situation of the investor himself, the best is suitable for himself.

Second, China Merchants Bank Chaoying is actually China Merchants Bank's own Yue Bao. Purchasing this product is equivalent to purchasing China Merchants Merchants Treasure Currency**. The safety of the currency** is obvious to all, but the expected annualized rate of return cannot be guaranteed, and can only refer to the average expected annualized return of the currency**, which is about the expected annualized interest rate of 1-year fixed deposit - the expected annualized interest rate of 3-year fixed deposit.

3. The security issue of China Merchants Bank Chaoying involves two aspects, on the one hand, the risk of online payment, and on the other hand, the risk of investment.

1. From the perspective of online payment risk, CMB Chaoying operates through the mobile banking client, and the security of the CMB mobile banking client is generally trustworthy, but investors need to protect the security of their mobile phones and the security of the CMB bank card password.

2. From the perspective of investment risk, since China Merchants Bank is linked to the currency, the investment target of the currency is relatively safe and the risk is very low. Unless extreme circumstances occur (financial disorder, sudden huge redemptions, regime changes, etc.), the currency** may lose money. Therefore, the investment risk of CMB Chaoying is relatively low, and under normal circumstances, we would consider CMB Chaoying to be safe.

The difference between China Merchants Bank Chaoying and Yue Bao, investment products: Chaoying invests in China Merchants ** Zhao Cai Bao Currency **00607, Yu'e Bao invests in Tianhong**Zenglibao Currency**000198, the cumulative purchase limit, Chaoying 50,000, Yu'e Bao 1 million, daily monthly redemption limit: Chaoying daily monthly no upper limit; Yue Bao every day and month respectively:

There is no limit to the morning profit; Yue Bao three times a day.

Both are currencies**, but it's not absolute which is better. As the expected annualized return of Yu'e Bao is getting smaller and smaller, China Merchants Bank has a certain advantage. In addition, in terms of the number of redemptions, Chaoying is more convenient and flexible than Yue Bao.

China Merchants Bank Chaoying and Yue Bao are currencies**, and there is not much difference in security; Therefore, when considering which one to invest in, we only need to consider the income.

China Merchants Qianbao currency A is the morning profit of China Merchants Bank, the yield of the past year is, the yield of the past 6 months is, and the yield of the past three months is. The remaining five are the currencies in Yu'e Bao**, namely Tianhong Yu'e Bao** and Bosch cash income currency A, Central Europe Rolling Money Treasure Currency A, Huaan Rixin Currency A and Guotaili is a treasure currency, a comprehensive comparison of these five ** can find that Guotaili is the highest treasure currency income: the yield of the past year is, the yield of the past 6 months is, and the yield of the past three months is.

China Merchants Bank China Merchants Bank is a cash management financial product issued by China Merchants Bank, and Yu Yu Bao is a currency**, and the two products belong to low-risk fixed incomeThe investment direction of the product is similar, the difference is that Yue Bao can be consumed directly, China Merchants Bank cannot be used directly and must redeem consumption, which is not as convenient as Yu Bao, but the income is higher than that of Yue Bao, so you can choose according to your own needs.

Chao Chaoying is better, the income of this wealth management product is higher, and the annual interest rate will be higher, and the annual interest rate of Yu Yu Bao and this annual interest rate cannot be compared.

I think Chao Chaoying might be a little better. His seven-day annualized rate of return is higher and his protection is better.

You can choose Yu'e Bao, the cumulative purchase limit of Yu'e Bao is 1 million, and the daily limit will not be particularly large, and it will be relatively flexible.

Alipay's Yue Bao is more easy to use, because Alipay is a very convenient software, a very trendy payment method, and it is more convenient to use.

China Merchants Bank. Chao Chao Bao, in fact, and Yu Bao.

Pretty much the functionality.

1. It's just that Chaochaobao is a CMB card.

A short-term financial product inside.

Its function is similar to Alipay's Yue Bao, so that many people can transfer it directly after they have paid their salaries. There is no need to transfer from the salary card to Alipay's Yue Bao, one step is missing, the income is about the same, and many people are reluctant to toss.

2. Now many young Qi Liangbo people know how to save their wages to Yu Yu Bao or currency**.

, just because it's very convenient and fast. Similar to Yue Bao, these short-term financial management of Chao Chaobao can mainly be deposited and withdrawn at any time, and the flexibility is very high. Don't let your hard-earned money sit there motionless, swallowed up by inflation, and get a little bit of interest every day.

Extended Materials. 1. What documents do you need to apply for a bank card?

1. Generally, you need to bring your own valid documents to apply for a bank card, mainly your ID card.

Apply for a debit card.

It is relatively simple, you only need to bring your own valid documents, mainly ID cards, to the opening bank.

Fill out the application form and the card will be issued to the applicant at that time.

2. The process of applying for a credit card is different from that of a debit card. When applying for a credit card, you need to bring your valid ID card (ID card or copy of ID card), proof of residence, and proof of income of the unit.

or personal assets certificate and other materials, go to the bank counter to go through the relevant procedures, you need to fill in the application form, which requires the information to be really auspicious.

3. After filling in the application form, it is necessary to go to the head office of the opening bank for the record, and the head office of the opening bank will review the application materials, and the card can be issued to the customer after about 20 working days.

4. Among them, the loss reporting procedures of major banks are not exactly the same, if you lose it, you can use ** or online banking first.

Make a temporary loss report, and then bring your ID card and other supporting materials to the bank counter to report the loss.

Second, do I need to go to the scum to get a bank card?

1. Do I need to go in person to apply for a bank card? Generally speaking, you need to apply for a bank card in person, but you also need to bring your own ID card. If you don't have time, you can actually find someone to help you handle it.

2. If you want to find someone to handle it, you need the depositor's ID card, but the agent must also bring the ID card. The bank outlets should contact the person being **, and after verification, if the customer is willing to entrust the person to handle the account opening business, it can handle the account opening for it. All financial institutions require customers to use a real-name account system.

3. You also need to bring the agent to bring the ID card and the ID card of the account holder, and a copy of the ID card of the two people. User account opening process: The agent brings the ID card and the ID card of the account holder, and the copies of the ID cards of the two people, and tells the staff to open an account and apply for a bank card.

The agent needs to write down the reason for the application and the relationship with the card issuer).

Chao Chao Ying PK Yu Bao.

Investment products: Chao Chao Ying invested in China Merchants ** Zhao Qian Bao Currency ** (original name: Zhao Cai Bao Currency **, **: 000607), Yu Bao invested in Tianhong ** Zengli Bao Currency ** 000198;

Cumulative purchase limit: Chao Chaoying 50,000, Yue Bao 1 million;

Daily Roll over the monthly redemption limit: Chao Chaoying daily monthly supreme reading Hu limit; Yue Bao daily per month: 50,000 1 million;

Redemption time: Chao Chaoying arrives in real time; Yue Bao less than 50,000 yuan: 2 hours to the account (within the agreed service time of 13 banks), more than 50,000 yuan: the next ** working day before 24:00;

The number of redemptions to the bank card: there is no limit to Chao Chaoying; Yue Bao 3 times a day;

Daily Annualized Rate of Return (June 11).

Chao Chaoying's most new rate of return is subject to mobile banking), Yu Bao.

The essence of CMB Chaoying and Yu'e Bao is the same, both are currencies, but in recent years, the expected annualized expected return of Yu'e Bao has been decreasing, and many investors have chosen other financial products.

Which is better, CMB Chaoying or Yue Bao?

1. Expected annualized expected return:

Chao Chaoying docking is the currency of Merchants Zhaocaibao, and Yu'e Bao docking is the currency of Tianhong Zenglibao, both of which are currencies**, and the following will show you a comparison of the expected annualized expected rate of return.

2. What's the difference?

1. The cumulative purchase limit is 50,000 for Chaochao and 1 million for Yue Bao.

2. Daily monthly redemption limit: Chao Chaoying daily monthly no upper limit; Yue Bao daily monthly respectively: 50,000 Qidou 1 million.

3. Redemption time: Chao Chaoying arrives in real time; Yue Bao less than 50,000 yuan: 2 hours to the account (within the agreed service time of 13 banks), more than 50,000 yuan: the next ** working day before 24:00;

4. The number of times to redeem the bank card: there is no limit to Chao Chaoying; Yue Bao 3 times a day;