Why do many people nowadays prefer to keep their money in the bank rather than in Yue Bao?

The frequency of Yu'e Bao being used by people in life is still very high. And the interest rate of Yu'e Bao was high before, so many people will put their spare money into the balance, so that they can make money and make money. But now many people would rather keep their money in the bank than in Yu'e Bao, because the interest rate of Yu'e Bao is continuing to decrease.

And the interest rate of the bank is constantly adjusted, and as long as the money is deposited in the bank. To a certain amount, the bank will also make some welfare feedback activities, so this is also very attractive to many users. Depositing money in a bank is also a relatively safe factor.

At the beginning, the interest rate of Yu'e Bao was still very high, so users benefited a lot. But over time, interest rates have now dropped to just 3%, or even below 3%. So in this way, even if people save 50,000 yuan in Yu'e Bao, the daily income is less than three yuan, so in this way, users will feel a little lost.

So all the money in Yue Bao was transferred out and deposited in the bank. <>

Therefore, banks are also doing everything possible to make depositors as much as possible to get more profits. Therefore, a lot of fixed deposit business has been opened to attract users. And if the user deposits a large amount of money in the bank, then the bank will choose to send rice, noodles, oil, gift boxes and so on.

In this way, the customer's psychology is more balanced, and it will also be more satisfied with the bank's operation. <>

Banks will be more secure than Yu'e Bao, because once the mobile phone is lost, or the password of Alipay is obtained by others, it is likely to face the risk of theft. This will not be the case with the bank, and even if there is any problem with the bank, the depositor's loss will be borne by the bank, so there is no need to worry about this at all. The important thing is that if you have a lot of money in the bank, there are many benefits for buying a car and buying a house with a loan later, and the application will be easier to pass.

The unique charm of Yu Bao in the past is gone. Nowadays, most people would rather keep their money in the bank than in Yue Bao. The main reasons are as follows.

First of all, the annualized rate of return of Yu'e Bao has decreased year by year, from 4% at the beginning of its establishment to about now. Alipay users deposit 10,000 yuan into Yuebao, and their annual income barely maintains about 200 yuan. Secondly, the current banks have also developed wealth management products similar to Yu'e Bao, and the yield is comparable to Yu'e Bao.

This is because these people feel that it is safer to put their money in the bank, and the interest rate is relatively high, so they will not put it in Yue Bao.

Because they all feel that it is very unsafe to put it in Yuebao, once Ma Yun has a problem, it is very likely that their money will not be able to be withdrawn.

If you put all the deposits in Yue Bao, it is actually very safe. Moreover, the funds transferred to Yu'e Bao are also guaranteed by the security of payment, and users are transferring funds to Yu'e Bao, which is to purchase corresponding financial products from these ** companies。The Yu Bao is composed of Alibaba and Tianhong**, two companies holding investment, and Tianhong** is the largest currency ** company in China.

And the biggest use of this currency is to invest in treasury bonds, bank deposits and other high-security, and relatively stable returns**. <>

The product currency is also one of the products. Theoretically, there is a phenomenon of loss. But historically, the returns are not only stable, but also the risks are minimal.

And as long as the country's development is stable enough and Alibaba Group is operating normally, the money in Yu'e Bao is completely reliable and safe and there is no need to worry. At the same time, the amount of money stored in Yue Bao is relatively large, so the profit will be more. <>

Yue Bao will be automatically transferred to Yue Bao and the deposit will be put into Yue Bao at the same time, and it can also be used and withdrawn at any time. And the funds transferred to Yu'e Bao will generally be determined by the ** company from the second working day, and the income will be calculated on the existing share after the share is determined. And the balance is transferred to Yue Bao, in fact, there is also a function of automatic transfer, but if you don't want to use it, you can also turn it off.

Obtain income, but there is actually a certain upper limit of Yu'e Bao, about 100,000 yuan, if you want to continue to invest, then you can change the way of investment. Therefore, it can also be seen that Yu'e Bao is also a very safe and reliable financial management platform in Alipay, although there are restrictions on purchases, but the deposit can also be reaped by putting it into the enterprise. And it can also achieve the effect of saving money, so choosing the Yue Bao in Alipay to obtain income is actually a double win.

Safe. Although the essence of Yu'e Bao is a kind of currency**, the safety of Yu'e Bao is still guaranteed with the efforts of Alipay. As mentioned earlier, the **manager of Yu'e Bao is Tianhong**, and Tianhong** was established as early as 2004, and cooperated with Alipay to manage Yu'e Bao's funds in 2013.

This year, Yu'e Bao exceeded one trillion yuan and reached one trillion yuan, which is directly a milestone event. Therefore, the money put into Yu'e Bao will only lose money if Alipay and Tianhong ** declare bankruptcy and no one is willing to take over, and according to the speed of Alipay's development in recent years, the risk of money in Yu'e Bao is still relatively low.

It's actually not very safe, because it's a third-party software after all, and it's very risky to invest your entire net worth in.

Insecure. If this company suddenly goes bankrupt, all your money will be gone, and there is no point in pursuing it.

Very safe. Because Alipay is a particularly secure software with very strong protection, you don't need to worry.

Summary. Hello Dear Yu Bao is a currency launched by Alipay**, its income is relatively stable and flexible and convenient, so it has been favored by many people. However, we don't recommend putting all your money on Yue Bao for the following reasons:

1.Limited rate of return: Although the rate of return of Yu'e Bao is higher than that of bank savings, it is somewhat inferior compared to other wealth management products.

If you want higher yields, you can consider other types of investments such as **, bonds, etc. 2.Risky:

Although the risk of currency ** is relatively low, the generality of losses cannot be completely ruled out. If the market fluctuates violently, the return of Yue Bao will even become negative. 3.

Poor liquidity of funds: Although Yu'e Bao provides the function of accessing and withdrawing at any time, it is not very convenient to operate in practice, and it needs to be transferred to a bank card to use. Moreover, once there is a problem with Yu'e Bao, it will take a certain amount of time for the funds to be withdrawn.

Hello dear Yu Bao is a currency launched by Alipay**, its income is relatively stable and flexible, so it has been favored by many people. However, we do not recommend putting all your money on Yue Bao for the following reasons:1

Limited rate of return: Although the rate of return of Yu'e Bao is higher than that of bank savings, it is somewhat inferior compared to other wealth management products. If you want higher yields, you can consider other types of investments such as bonds, bonds, etc.

2.Risky: Although the risk of currency is relatively low, the generality of losses cannot be completely ruled out.

If the market fluctuates violently, the return of Yue Bao will even become negative. 3.Poor liquidity:

Although Yue Bao provides the function of accessing and withdrawing at any time, it is not very convenient to operate in practice, and it needs to be transferred to a bank card to use. Moreover, once there is a problem with Yu'e Bao, it will take a certain amount of time for the funds to be withdrawn. <>

Is there a limit to the money in Yue Bao when it is transferred out?

In addition, in addition to Yu Bao, there are some other currencies on the market to choose from, however, when choosing a currency, you need to pay attention to the scale and yield of the currency, as well as whether it meets the personal risk appetite and investment needs. At the same time, it is also necessary to understand the background and management level of the company, so as to make more informed decisions when choosing products. <>

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What is the limit? 10w kiss.

Bank deposits have always been a popular way to manage money, even in today's era, most people continue to choose bank deposits, one is for safety, and the other is to fancy the stable interest income of bank deposits. Although with the adjustment of interest rate pricing, there are a lot of bank deposit interest rates, but some banks still have fixed deposit products with an interest rate of about 4% in order to attract savings.

However, what is surprising is that many depositors have given up bank deposits with an interest rate of more than 4%, and instead chose Yu'e Bao, which has a yield of ** to 2% today. If the depositor deposits 100,000 yuan, then the bank deposit with a 4% interest rate will provide the depositor with an interest of 4,000 yuan a year, while the 2% yield of Yu Bao can only allow the depositor to get 2,000 yuan of interest a year. With such a big difference in returns, why would these depositors clear the bank and give up bank deposits, preferring to choose Yu'e Bao?

First, because the bank deposit time is too long, in today's domestic deposit market, the interest rate can exceed 4% with a high probability of 5-year fixed deposit products. Not many depositors can guarantee that they will not use this deposit for 5 years, and if they withdraw it in advance in an emergency, then the interest will be calculated according to the demand deposit rate, and the previous time is wasted. Yu'e Bao does not have this shortcoming, but can be deposited and withdrawn at any time, which is very convenient.

The other is the depositor's own needs, most of the depositors who choose Yu'e Bao are young people, and young people prefer to use the Internet to consume, do not like troublesome bank fixed deposits, and the interest rate of demand deposits is too low, so they prefer to put their savings directly in Yu'e Bao, which can be accessed at any time.

For depositors who give up bank deposits with interest rates of more than 4%, they would rather choose Yu'e Bao with a yield of 2%, and another reason is that on the Yu'e Bao page, you can see your income every day, although it is not much, but you can see the income every day, and the psychological feeling will be different. Finally, Yue Bao is safe and convenient, the funds can be used flexibly, and you can also pay directly when shopping online.

Because it is very convenient to put the balance treasure in the auspicious place, it can be used at any time, and it is not so convenient to let go of this light in the bank. And the interest in Yu'e Bao is much higher than the bank's interest.

Because the income of Yue Bao will be higher than the interest rate of the bank, it can also be flexibly used in the Yu Yu Bao, and it is particularly troublesome if you want to withdraw it in the bank.

In particular, the service item called "Yue Bao" provided by Alipay has become a new saving habit for many consumers because it can generate daily income by putting funds into it, and it is very convenient to use it at any time.

However, in the past two years, more and more users have fled Yu'e Bao, and many of them would rather keep their money in the bank than in Yu'e Bao. So, why is this happening?In the author's opinion, there are four main reasons.

The first point: the interest rate of Yu'e Bao has declined.

I still remember that when Alipay first launched Yu'e Bao, the interest rate was as high as 6%. You must know that at that time, the interest rate on fixed deposits of state-owned banks was only about 3%.

It is precisely because the interest rate of Yu'e Bao was very high at that time that many people will put their money in Yu'e Bao. But as time went by, more and more people used Yu'e Bao, and Alipay began to adjust the interest rate of Yu'e Bao. Nowadays, the profitability and deposit rate of Yu'e Bao are long gone.

Therefore, while the interest rate of Yu'e Bao is declining, there are constantly users who "escape" from Yu'e Bao and re-deposit their money in the bank.

The second point: the state has made new adjustments to interest rates.

With the popularity of mobile payments, the pressure on banks has increased, and the central bank has begun to adjust interest rates so that depositors can make more profits, and at the same time issue large certificates of deposit, fixed deposits and other businesses.

The third point: banks are more secure.

Although Alipay's security factor is very high, because it is a third-party network platform, there are still certain risks compared to banks.

Moreover, once Alipay is conquered by hackers, users can only bear the losses if their property is damaged. On the other hand, the bank deposit insurance clearly stipulates that if the depositor's money is lost due to the bank's reasons, the bank will compensate the depositor for the loss of money, with a maximum amount of 500,000 yuan.

Fourth, it will reduce the ability of bank accounts to lend.

Although the national economic level has improved significantly in recent years, there are still many consumers who need loans to buy cars and houses.

However, it is important to note that not everyone can successfully borrow money from the bank. Before proceeding with the loan, the bank usually reviews the lender's bank account.

If the lender has never deposited money with the bank, or if the money is transferred away quickly after depositing, this will directly affect the bank's determination of the lender's ability to repay.

Therefore, it is understandable that more and more people choose to deposit money in the bank instead of Yu'e Bao.

In addition, many banks have launched activities such as taking public transportation at half price and ordering takeaway coupons, which are no worse than Alipay.

So, will you choose to keep your money in Yue Bao or in the bank?