The difference between Alipay Yulibao and Yu'ebao, which is better?

I'm sure you didn't know Andy Lau when you were in China, but you sure didMa Yun.You may not necessarily use Huabei and Yu’e Bao, but you will definitely have themAlipay, it can be said that Alipay,Taobao, Jack Ma, these three are closely tied together, these three are indispensable.With continuous research and development, Alipay has gradually improved. It is no longer a single online shopping platform, but a professional financial industry, and its internal products are also constantly improving.

The difference between Alipay Yulibao and Yu'ebao, which is better?

I believe that friends who use Alipay have a certain understanding of Yu'ebao, but Alipay also has Yu'ebao and Yulibao. What is the difference between the two?Which is better to put money in?

Yu’e Bao: Yu’e Bao is Ant’s balance value-added service and current fund management service product.It is characterized by simple operation, low threshold, zero fees and usability.Yu’ebao is not only a single wealth management product, but also a payment method that can be directly used for shopping consumption, whether it is offline consumption or online shopping.

Yu Libao: Yu Libao is a cash management product for individuals, small and micro enterprises, and small and micro operators. The wealth management product jointly developed by China Netcom Bank and Tianhong Fund has the characteristics of convenience, flexibility and security.

The main differences between the two are:

1. Yu’e Bao is mainly aimed at individual users, while Yu Libao is mainly aimed at operators and small and micro enterprises.

2. The average monthly income of Yu’ebao is 2-3 points, while Yu Libao’s income is about 4 points.

3. The comprehensive fee that Yu Libao needs to pay is 0.63%/year, while the comprehensive fee that Yu Libao needs to pay is 0.55%/year.

4. The daily limit of Yu Libao is 5 yuan, the daily limit of Yu Libao is 100 million yuan, and the enterprise is 500 million yuan; Yu’ebao is transferred to 100,000 yuan within the one-day limit, which needs to be sold at 9:1000 every morning.Yu Libao’s one-day limit is transferred to 5000 million for individuals and XNUMX million for enterprises without snapping up.

5. There is a 0.1% fee for withdrawals from Yu’ebao, while Yulibao does not.

All in all, Yu Libao is more cost-effective than Yu'e Bao, but this may also be due to the fact that Yu Libao has a shorter release time and is currently only used by a small number of people.This is an official promotion, the same as Yu'e Bao's initial public offering, and may be restructured in the future, so everyone should use it early if they want to use it.