Is Alipay Yu'ebao risky? How much do you know?

Risks can be divided into two types.One is the loss of principal, and the other is that the expected income is not realized, but the principal is not lost.In fact, both of these cause the investor to lose, even if the principal is not lost, the money due is not lost.As long as there is a possibility of loss, there is a risk, and of course, the first risk is much greater than the second risk.

AlipayYu'e Bao is a wealth management product and is regarded as an investment channel, so it will follow the conclusion that "investment has risks".Behind Yu'e Bao is the currency fund in Tianhong Fund.What is a currency fund?Quite frankly, it's trading money as a commodity, earning money from it and charging those who need it.

Alipay's Yu'ebao is limited to the currency fund itself, which has existed for many years.Is Yu'E Bao risky?The risk of currency funds is the risk of Alipay's Yu'ebao.Monetary funds are highly dependent on market interest rates.

This is the stage in which the central bank maintains high interest rates.If the central bank starts to ease monetary policy, or lower interest rates, then the income of money funds will fall rapidly.

Is Alipay Yu'ebao risky?

Now let's talk about the first risk, the risk of loss of principal.Is Yu'E Bao risky?Yu'e Bao requires 100% payment security, so is Yu'e Bao risk-free?If your Yu’e Bao is stolen, you can directly use Yu’e Bao funds to purchase products, and the consequences can be imagined.Maybe you will think that Yu'e Bao is not 100% paid, if you get stolen, you can find Yu'e Bao to pay.Then I asked, how do you prove that the person who bought something is not you?You said I don't know the person who received the goods, how can I prove it?

At any time, this is the advantage of Yu'e Bao, and it is also the risk point of Yu'e Bao.Since the funds in Yu'ebao can be used for shopping and payment at any time, if there is a problem with your account, this will lead to no security for your funds.This is different from some Internet financial wealth management products.Funds in some products are limited to the card tied to them, providing another layer of protection for funds.

Yu'e Bao's risks also come from technology.If there is a technical loophole in Yu'ebao, once hackers crack this loophole, it will be a catastrophic loss.On the one hand, the funds in the account are at risk, and on the other hand, there may be substantial redemptions.Of course, this risk may be small, but once it occurs, it is irreversible.

Due to Yu'e Bao and Ali'sTaobaoThe connection between , Tmall and Tianhong is very seamless, so the risk of Yu'e Bao will increase.The risks of these tightly connected products also become the risks of Yu'e Bao, especially in terms of technology.