What is the relationship between Yu Bao and Zhao Cai Bao?

"Zhaocaibao" is a wealth management account under Alipay before, which used to be used to purchase wealth management products with Alipay balance, and the money in the Alipay account can also be transferred directly to the wealth management account. If you want to manage your finances, you can go to the Internet and search for a platform that calls for a good car loan.

"Yue Bao" makes everyone feel that financial management can be seamlessly integrated with Alipay, and the money for financial management can be taken out and spent at any time, and the money that is not spent for the time being can also be used for financial management at any time. However, in the view, only "Yue Bao" has enjoyed the seamless integration with Alipay, and the full variety of ** sales that everyone is looking forward to may be put into the "Zhaocaibao" that is isolated from Alipay's account.

"Zhaocaibao" is a wealth management account under Alipay before, which used to be used to purchase wealth management products with Alipay balance, and the money in the Alipay account can also be transferred directly to the wealth management account. However, after the wealth management account was upgraded to "Zhaocaibao", the money in this account was completely separated from the Alipay account.

That is to say, in the future, the money for financial management will go to "Zhaocaibao", and the money consumed will go to "Yu'e Bao" for financial management. There is basically no difference between Alipay account and "Yue Bao", and those who can pay directly with Alipay basically support "Yu Yu Bao" payment - but the money of Alipay and "Yu Yu Bao" cannot be directly entered into "Zhao Cai Bao", and "Zhao Cai Bao" corresponds to a bank account that must be the same as your name.

The model of "Zhao Cai Bao" is not like "Yu Yu Bao", but it is very similar to those that sold **products before** or some mobile apps that focus on financial management (I really don't dare to give examples for fear of being scolded for advertorials). If the "Yue Bao" that is seamlessly integrated with **Tmall is invincible, then the "Zhaocai Bao" that is actively isolated from Alipay is also invincible? There is no doubt that there is ** and Alipay's traffic, the business of "Zhaocaibao" is not the same, and the stores that sell ** and financial products cannot find other places to buy so much traffic - yes, China's Internet innovation, in the final analysis, is the innovation of selling traffic and advertising.

Typing is not easy, such as satisfaction, hope.

Hope it solves your problem.

Generally speaking, the same bank or enterprise, the wealth management products are not single, only through comparison can the advantages and disadvantages of each product be revealed, so which is better, Yu Bao or Zhao Cai Bao? What's the difference?

What is the development and status quo of Yu Bao? Can Yue Bao repay a credit card?

What is the difference between Yue Bao and Zhao Cai Bao?

Zhao Cai Bao and Yu Yu Bao are both services under Ant Financial, Zhao Cai Bao only supports Yu Yu Bao users, reserve funds ** Yu Yu Bao, and the destination of the due funds is the balance or Yu Yu Bao account, the two are completely different products, and it is impossible to compare the expected annualized expected return of the two directly.

Investment Risk:

Yue Bao: Yu Yu Bao is a balance wealth management product of Alipay. When you transfer funds to Yue Bao, you are actually purchasing a currency called "Yue Bao" provided by Tianhong**.

Currency ** is mainly used to invest in treasury bonds, bank deposits, etc. High security, expected annualized expected return is stable price**, 2012 domestic currency ** 7 day historical expected annualized expected rate of return on average about overall, currency ** as a kind of product, theoretically there is a possibility of loss, but from the historical data is expected annualized expected return stable risk is very small.

Regular financial management (including Fortune Hunting).: The regular financial management (including Zhaocaibao) channel provides flexible regular financial information services. There are two main types of investment, the first type is the loan products issued by small and medium-sized enterprises and individuals through this platform, and financial institutions or guarantee companies provide credit enhancement measures for the redemption of principal and interest as credit enhancement institutions; The second type is the wealth management products issued by various financial institutions or institutions that have been recognized by financial regulators through this platform.

Investors can choose to invest in corresponding products according to their own risk appetite and bear the corresponding investment risks.

Security of Funds:

All transactions on the Zhaocai Bao platform are provided by Alipay with third-party payment and settlement services, and the due funds of the products on Zhaocai Bao will be automatically transferred to the user's Yue Bao, and the Yue Bao funds will be underwritten by the insurance company, and the insurance company will pay in full if it is stolen.

Which is better, Yue Bao or Zhao Cai Bao?

Yu'e Bao expected annualized expected return:

Expected annualized expected return of Zhaocaibao's products:

Through comparison, the expected annualized expected return of the two products is quite good, and the suitable investment group is relatively wide, as users can choose the corresponding financial products according to their own conditions.

Zhaocaibao is a financial management platform after Alipay after Yu'e Bao. On April 14, it was officially launched on Alipay, which is a regular financial management brand. Alipay users can use the Alipay balance to purchase each fixed term in Zhaocaibao.

The fixed term of each wealth management product on the Zhaocaibao platform ranges from more than 3 months.

As of today, Alipay users can directly purchase products such as Life Life Julibao, which has a historical expected annualized expected return, which is a five-year universal insurance. All other wealth management products are pre-fixed.

The difference between Zhao Cai Bao and Yu Yu Bao

1. Different positioning.

It is a flexible financial product for accessing and accessing both pence. Yu'e Bao is an attempt in the direction of Alipay's online financial management, which completes the combination of consumption and financial management; Zhaocaibao is already a pure financial product, and the concept of regular financial management is more in-depth, eliminating the characteristics of user financial management and consumption randomness, which is more in line with users with strong financial tastes.

2. The attributes are different.

Yu'e Bao is a financial product of Alipay, and the user's selectivity is low; Zhaocaibao is a wealth management platform, which includes a large number of regular wealth management products, and users can choose their favorite one according to different expected annualized expected returns and investment periods. Therefore, Zhaocaibao provides more choices to financial users.

3. Partners.

Yue Bao is jointly designed by Alipay and Tianhong**; Zhaocaibao has taken a further step, Alipay is not limited to Tianhong**, but also faces more cooperation objects, including insurance companies, banks, etc.

Hello, there is nothing to do with the two. But they are all currencies, but the ** companies managed are different, and the docking network platforms are also different.

Why don't you go to Hetang 3 Dian, 5 Shang 4 Luntan to learn a little more practical knowledge.

First, the essence is different:

Yue Bao is equivalent to a demand deposit with no expiration date, which can be deposited and withdrawn at any time, which is very convenient;

Zhaocaibao is indeed a regular wealth management product, which can be purchased according to the term and rate of return. However, the expected benefits must be achieved after the end of the period. It is equivalent to a fixed deposit in a bank.

Second, the rate of return is different:

Yu'e Bao now has a lower rate of return, which is currently; And, it's constantly changing.

The rate of return of Zhaocai Bao is significantly higher, with a minimum of 5% (related to the term and type of wealth management products); Moreover, the rate of return is fixed: it is the rate of return at the time of purchase.

3. Comparison of safety degree:

With Ali coming forward and the insurance company guaranteeing it, both products are theoretically very safe.

4. Comparison of withdrawal ease and handling fees:

Yue Bao can be withdrawn at any time, 0 handling fee,;

Zhaocaibao can only be withdrawn at any time when you buy a [realizable] product that is about 3 years old. However, there is a fee to be paid, and you cannot enjoy a higher yield (e.g., you can only enjoy a high yield for 3 months. ）

Zhaocaibao belongs to medium and long-term financial management, of course, the interest rate is high, and at the same time, because of the cooperation with Alipay, so rest assured, and Yu'e Bao has been stable and mature after a period of baptism.

Yue Bao is: Alipay's latest balance value-added service, you can get a certain amount of income by transferring money into Yue Bao, in fact, you have purchased a currency provided by Tianhong ** called [Yue Bao] (formerly known as Zeng Libao currency**). The funds in Yue Bao can also be used for online shopping and transfer at any time.

Zhaocaibao: It is an open investment and wealth management platform under Ant Financial Services Group, which is the same business as Ant Financial and Alipay.

There are two main types of investment on the Zhaocaibao platform, the first is the loan products issued by small and medium-sized enterprises and individuals through the platform, and the principal and interest protection is provided by financial institutions such as banks and insurance companies or large guarantee institutions; The second type is the wealth management products issued by various financial institutions or institutions that have been recognized by financial regulators through this platform. Investors can directly lend funds to financiers or purchase wealth management products through this platform to obtain returns.

Based on Ant Financial Group's financial big data and cloud computing capabilities, Zhaocaibao provides intermediary financial information services between financiers, investors and wealth management product issuers to help all parties complete the matching of investment and financing transaction information.

There will be bottlenecks in the development of Yu'e Bao, and there are foreign countries. The Commander of Finance has a special topic about this matter.

Zhaocai Bao is the second financial management software launched by Alipay.

One class is regular and one class is current.

Decide according to your own needs. If you pursue stability, choose Yue Bao, but the benefit will not be too high.

On the contrary, if you are pursuing high returns and can tolerate risks, choose the former.

Zhaocaibao is an open platform for financial information services, which is independently operated by Shanghai Zhaocaibao Financial Information Service ****, invested and established by Ali Small and Micro Financial Services Group (in preparation), and was established on April 3, 2014. At present, it has reached a cooperative relationship with **.com, Alipay and Tianhong**.

Yue Bao is a balance value-added service created by Alipay. Transferring money to Yue Bao means that you have purchased the Yue Bao currency** provided by Tianhong**, and you can get income. The funds in Yue Bao can also be used for online shopping payment at any time and can be withdrawn flexibly.

Zhaocai Bao and Yu Bao are both wealth management products of Alibaba, relying on the Alipay platform, but the product positioning is different. According to different purposes, investors' disposable funds can be divided into small funds, savings funds and investment funds to meet daily consumption. The three types of funds have different requirements for liquidity and risk appetite, among which consumption funds have higher requirements for liquidity, savings funds pursue the safety of principal, and investment funds can bear a certain degree of risk.

Yu'e Bao is a flexible financial product for accessing and withdrawing two pence. Yuebao is an attempt in the direction of Alipay's online financial management, with payment functions such as shopping, paying utility bills, and repaying credit cards. Completed the combination of consumption and financial management; Zhaocaibao is already a pure financial product, and the concept of regular financial management is more in-depth, eliminating the characteristics of user's financial management and consumption arbitrariness.

Yu'e Bao is a financial product launched by Alipay, and the user's choice is low; Zhaocaibao is a wealth management platform, which contains many newly launched regular wealth management products, and users can choose the one they like according to different rates of return and investment period. Zhaocaibao provides more choices to wealth management users.

In short, Yu Cai Bao is suitable for funds with strong liquidity and low profit and low risk, while Zhao Cai Bao is suitable for funds with weak liquidity and high risk of return. You can design how you invest your money based on different strengths and characteristics.

If you have long-term spare money, it is better to recruit fortune, because the interest rate of Zhaocaibao is relatively high, and the income is stable. Yu'e Bao has a relatively low interest rate, but it is more flexible, and you can withdraw or deposit at any time.

Yue Bao. Thank you for your attention to Yu Bao!

Visually inspect Yue Bao, but not personally test.