What is the difference between Alipay Yu Li Bao and the balance treasure? Today, Xiaobian will give you a detailed introduction. First of all, the fire eye needs to be popular among all the Celestica fund companies that Alipay shares. They are all products belonging to Alibaba. Brother is yu'ebao, born in 2013, younger brother is Yu Libao, born in 2015. Yu Libao's customer base is mainly tmall and Taobao bazaar business sellers can use in Qianniu and the seller center. Yu'ebao is mainly invested by Taobao buyers and friends with free money.
In general, the balance is under Alipay's banner, and Yu Li Bao is an online bank. The balance treasure is mainly an investment product in Alipay, while Yu Li Bao is mainly a cash management product of small and micro businesses and small and micro operators, with low risk and high mobility. And yu'ebao doesn't use the money in yu'libao to do online shopping, but if you want to reflect it, you can achieve instant payment.
What they have in common: 1) they are all monetary funds in vest. A fund is a sum of money handed over to a professional fund manager. Monetary Fund is a kind of fund that mainly buys treasury bonds, bills, bank certificates of deposit and other money market products. Its income is relatively low, but it is also the safest financial product. 99.9% of the principal will not lose money.
2) Low risk, basically belong to a level, can let consumers close their eyes.
3) simple operation, easy to turn in and out, and you can choose to transfer from Alipay balance and bank card to the next fund trading day to calculate the expected annual yield. And will be transferred out to the current balance of e-commerce bank. At the time of transfer out, if the accumulated amount of a single day does not exceed 1 million, the account can be received in real time.
Differences: 1) different in nature
The sale of balance treasure in Alipay is well known, and Yu Li Bao has been buying and selling in APP, a network dealer.
Yu Libao is a cash management product of e-commerce bank for small and micro enterprises and individual small and micro operators.
Yu'ebao is a money market fund provided by Tianhong yu'ebao fund.
As the name suggests, Yu Libao is mainly aimed at business owners and a monetary fund, which is different from Yu Libao's zero wallet attribute. Yu Libao mainly creates a cash management tool for businesses, mainly large amount financing. The revenue is almost the same as yu'ebao, but because it is now in the period of scale rise and has more advantages in terms of rate, the saved rate becomes the extra revenue, and the revenue is higher than yu'ebao.
But unfortunately, the location of Yu Li Bao is not as good as that of the balance treasure. It will prompt you to download the Internet Banking Bank on the top of the Internet Banking Bank. If you download it, it will be free to jump after the download is completed and opened. The balance treasure is used more widely in Alipay, and more people know it. Yu Libao belongs to online banking products. Compared with Yu EBAO, fewer people know about it.
(e-commerce Bank -- it's Ma Yun's joint venture. It's a regular bank with a national financial license. It's pure online business and has no physical stores. Internet banking can also use Alipay account to login directly, Alipay balance can be used. )
2) Different benefits
For example, yu'ebao and yu'libao both earn about 4%, but yu'libao is slightly higher, and yu'libao's yield (interest) is about 0.2% higher than yu'ebao; in addition, yu'libao's management rate and custody rate are cheaper, and there is no handling fee for redemption, etc.
3) Different revenue time
4) Different security
Yu Libao can only turn to the balance of my Alipay account or transfer to my bank card.
Balance treasure can be used for consumption, transfers to others or my Alipay account balance, bank card.
Because the limitations of Yu Li Bao can only be transferred to my bank card or my Alipay account, so Yu Li Bao has relatively high security.
5) Different limit
Yu'ebao, generally for individuals, since December 8, 2017, the daily limit is 20000 yuan, and the total amount of individual transaction account is 100000 yuan (100000 yuan per person)
Yu Libao is aimed at small and micro enterprises and individual small and micro operators. If you buy as an operator, the maximum purchase limit is 10 million.
6) Additional attention
Alipay now has a big drawback. After the super free 2W is charged, a 0.1% service charge will be charged. If you transfer 10000 yuan, you'll have to be 'blackmailed' for 10 yuan. However, there is no such obstacle with e-commerce bank. It transfers money for free.
So: if Alipay wants to withdraw cash, it can log on to APP through the Alipay account, transfer to the bank card, arrive at the account in time, and easily bypass the fee. If you still pay the 0.1% Commission, you can only say that you have eaten the information asymmetry. Yu Libao, on the other hand, is known by many as' the best alternative to yu'ebao ', or' enterprise version of yu'ebao '.