Uhlalutyo oluthelekisayo lwe-Yu'e Bao kunye ne-Coin Pass PK: Yeyiphi ekhuselekileyo, ethembekileyo, engabizi kakhulu kwaye inenzuzo?

I-Yiqiantong kunye ne-Yu'ebao ye-Yu'ebao zombini ziyimveliso yemali yenguqu encinci.

Ke, ngaba kungcono ukubeka imali eYiqiantong okanye eYu'ebao?

Makhe sijonge kwi-Coin Pass kunye ne-Yu'e Bao, yeyiphi ekhuselekileyo, ethembekileyo kwaye eneendleko?

• Bobabini i-Yu'ebao kunye noTshintsho lweMali zidibaniswe nemali yemali, kwaye ukhuseleko lwababini alufani kakhulu.
• Ngokwembali, iimali zemali bezisoloko zizimveliso zemali ezilulawulo lobutyebi oluqinisekisiweyo.

Yeyiphi enengeniso ngakumbi, uYu’e Bao okanye uZiqiantong?

• Imida yokuthenga iYu’E Bao kunye neYiqiantong iphantsi kakhulu.
• Unokuzithenga nge-yuan eyi-1, kodwa mhlawumbi akukho nzuzo engaphantsi kwe-yuan engama-200
• (Inqununu incinci kakhulu kwaye umvuzo omncinci kakhulu ukuba ungaboniswa).

Ukongeza kumngcipheko kunye nokungabi namali, xa uthelekisa kwaye uhlalutya ukuba yeyiphi engcono, iYiqiantong kunye neYu'ebao, izinto ekufuneka ziqwalaselwe lizinga lembuyekezo:

• Okwangoku, i-Yu'ebao idibaniswe ne-16 yeemali zemali, kwaye i-7-day rate rate yokubuyisela iphakathi kwe-2.545% kunye ne-3.056%.
• Inzala yeentsuku ezisixhenxe zonyaka isukela kwi-2.942% ukuya kwi-3.237%.
• I-Changelink idibanisa iintlobo ezi-5 zeemali zemali.
• Ngexesha elide, imbuyekezo yemali yemali ayifani kakhulu.
• Iintsuku ezisi-7 zonyaka yidatha yonyaka yengeniso yeentsuku ezi-7 ezidlulileyo.

Masithi unyaka olandelayo ugcina isivuno seentsuku ezi-7 ezidlulileyo ukusuka kunyaka ophelileyo, kwaye isivuno sonyaka olandelayo siyafana neentsuku ezisi-7 zesivuno sonyaka.

Ke ngoko, ukubeka iYiqiantong okanye iYu'ebao ikakhulu kuxhomekeke kwiimfuno zomntu.

Ngaba kuyabiza kakhulu ukutshintsha imali okanye uYu'e Bao?

• Ukuba ufuna ukuthenga rhoqo kwi-JD.com, ungayibeka kwiTshintsho lokudlula.
• ukuba uhlala ungaphakathiUbuncwaneUkuba uthenga kwi-Intanethi, unokubeka imali eninzi kwiYu'e Bao.
• Ngokufutshane, i-WeChat ayinakuthatha indawoAlipayTaobao umsebenzi wokuthenga.
• Ukulungeleka kokudluliselwa kwe-WeChat akunakuthathelwa indawo yi-Alipay.
• Ngoko nceda usebenzise zombini.

Imingcipheko iyonke yotyalo-mali kunye neemveliso zolawulo lobutyebi zingohlulwa zibe ziindidi ezimbini:

1. Enye ingozi yeqonga;
2. Olunye udidi yingozi yotyalo-mali.

I-Alipay, i-Yu'ebao kunye ne-WeChat Coin Pass, ekhuseleke ngakumbi kwaye inokuthenjwa?

Iiplatform ezifana ne-WeChat kunye ne-Alipay zinenye yezona zinto zingcono zokulawula umngcipheko phakathi kwamaqonga okuhlawula umntu wesithathu, kwaye imvelaphi yabo yenkampani iphakathi kwezona zibalaseleyo e-China.

Ngoko ke, akukho mfuneko yokuphanda ukuba yeyiphi iqonga elinomngcipheko ophezulu.

Kuyo nayiphi na imeko, kunqabile ukuba la maqonga mabini abhubhe.

Imingcipheko yotyalo-mali kwezi ngxowa-mali zimbini ziyafana, kwaye ezi zimbini zihambelana nemali yemali.

I-Yu'ebao ye-Alipay yanamhlanje kunye ne-Yiqiantong ayisekho ngokuthe ngqo kwi-fund yemali enye, kodwa idibaniswe ukuze idibanise kwiimali ezininzi zeemali, kwaye abasebenzisi banokukhetha ngokukhululekile ukudibanisa kwiimali zemali.

Iimali zemali ikakhulu zityala imali kwizixhobo zemali zexesha elifutshane (ngokuvuthwa komndilili weentsuku ezili-120), ezifana neebhondi ze-treasury, iibhili zebhanki ephakathi, iphepha zorhwebo, izatifikethi zebhanki zediphozithi, iibhondi zikarhulumente zexesha elifutshane, iibhondi zenkampani (ezinekhredithi ephezulu rating), iidiphozithi ze-interbank, njl.izibambiso ixabiso.

Ukufana kunye nokungafani kweYu'ebao PK utshintsho

Ukuba ujonga kuphela kwimbono yengeniso, kucetyiswa ukuba ukhethe ukudlula utshintsho, kuba ubukhulu becala lokutshintsha i-docking fund lihlala lincinci, liguquguqukayo kwaye liphezulu.

Nangona kunjalo, impazamo enkulu yeCoin Pass kukuba ayikwazi ukusebenzisana neenkqubo zokulawula ubutyebi.

Kufuneka ixhaswe ngolunye ulawulo lwemali ize ke idluliselwe kulawulo lwemali.

Ngokungafaniyo neYu'e Bao, ezinye iintlobo zinokusetyenziswa ngokuthe ngqo.

Abanye abantu baya kuthi u-Yu'ebao akahlawulisi, kwaye i-qiantong ifuna ukubizwa.

Iindlela zokuhoxiswa kweYu'ebao kunye noTshintsho Pass ziyafana.

Ngokubanzi, kunokubakho umrhumo wokurhoxisa ibhalansi.

Ngokuqinisekileyo, ukuba ibhalansi ye-Alipay idluliselwe kwibhanki yomthengisi we-intanethi ukuhoxisa imali kwisigaba sokuqala sokubhalisa, umrhumo wokuphatha unokukhutshwa, kwaye umrhumo wokurhoxisa uya kuhlawulwa yibhanki yomthengisi we-intanethi.

Nangona kunjalo, iibhanki ezibhalisiweyo zabarhwebi kwi-Intanethi zisabiza imali.

Ibhalansi ye-Alipay okanye utshintsho lwe-WeChat (ukudluliselwa kwabanye abantu), kucetyiswa ukuba ungayihoxisi kwaye uyifake kwelinye iqonga, eligcina imali kwiqonga lokuqala kwaye ligcine amakhadi ekhredithi ukwenzela ukudluliselwa kokusetyenziswa kwexesha elizayo.

Shwankathela yeyiphi ebhetele, qianqiantong kunye yu'ebao?

• Ukushwankathela, kusisiseko sokudlulisa imali ngokuthe ngqo kwikhadi lebhanki ukuya eChangqiantong okanye eYu’ebao.
• Akukho ntlawulo yokuphatha ukurhoxisa imali kwi-qianqiantong kunye ne-yu'ebao kwikhadi lebhanki ngale ndlela.
• Ukuba ivela kwibhalansi ye-Alipay okanye utshintsho lwe-WeChat, dlulisela imali kwi-Yu'ebao okanye kwi-WeChat utshintsho.
• Ngenxa yokuba ibhalansi ye-Alipay kunye notshintsho lwe-WeChat zigqithiselwe kwikhadi lakho lebhanki, intlawulo yokuphatha inokubizwa.