Umahluko phakathi kwe-Alipay Yulibao kunye ne-Yu'ebao, yintoni engcono?

Ndiqinisekile wawungamazi uAndy Lau xa wawuseTshayina, kodwa ngokuqinisekileyo wawumaziMa Yun.Usenokungasebenzisi i-Huabei kunye ne-Yu'e Bao, kodwa ngokuqinisekileyo uya kuba nazoAlipay, kunokuthiwa uAlipay,Ubuncwane, Jack Ma, aba bathathu badityaniswe ngokusondeleyo, ezi zintathu ziyimfuneko.Ngophando oluqhubekayo kunye nophuhliso, i-Alipay iye yaphucula ngokuthe ngcembe. Ayiseyona iqonga lokuthenga kwi-intanethi, kodwa imboni yezemali yobuchwephesha, kunye neemveliso zayo zangaphakathi ziphucula rhoqo.

Umahluko phakathi kwe-Alipay Yulibao kunye ne-Yu'ebao, yintoni engcono?

Ndiyakholelwa ukuba abahlobo abasebenzisa i-Alipay banokuqonda okuthile kwe-Yu'ebao, kodwa i-Alipay nayo ine-Yu'ebao kunye ne-Yulibao. Yintoni umehluko phakathi kwezi zibini?Yeyiphi engcono ukubeka imali kuyo?

I-Yu'e Bao: I-Yu'e Bao yinkonzo ye-Ant ye-balance-value-add yenkonzo kunye nemveliso yenkonzo yolawulo lwengxowa-mali yangoku.Ibonakaliswa ngokusebenza okulula, umda ophantsi, iifizi zero kunye nokusebenziseka.I-Yu'ebao ayisiyiyo kuphela imveliso yolawulo lobutyebi, kodwa kunye nendlela yokuhlawula enokuthi isetyenziswe ngokuthe ngqo ekuthengeni ukuthenga, nokuba kukusetyenziswa ngaphandle kwe-intanethi okanye ukuthenga kwi-intanethi.

I-Yu Libao: I-Yu Libao yimveliso yolawulo lwemali kubantu, amashishini amancinci kunye namashishini amancinci kunye nabaqhubi abancinci.Imveliso yokulawula ubutyebi iphuhliswe ngokudibeneyo yi-China Netcom Bank kunye ne-Tianhong Fund ineempawu zokulula, ukuguquguquka kunye nokhuseleko.

Umahluko ophambili phakathi kwezi zimbini zezi:

1. I-Yu’e Bao ijolise ikakhulu kubasebenzisi ngabanye, ngelixa i-Yu Libao ijolise ikakhulu kubaqhubi kunye namashishini amancinci kunye namancinci.

2. Umyinge wengeniso yenyanga yeYu'ebao ngamanqaku angama-2-3, ngelixa ingeniso ye-Yu Libao imalunga nama-4 amanqaku.

3. Umrhumo obanzi ekufuneka u-Yu Libao awuhlawule ngu-0.63%/ngonyaka, ngelixa umrhumo obanzi ekufuneka u-Yu Libao awuhlawule ngu-0.55%/ngonyaka.

4. Umda wemihla ngemihla weYu Libao ziiyuan ezingama-5, umda wemihla ngemihla weYu Libao sisisigidi esi-100 seeyuan, kunye neshishini izigidi ezi-500 zeeyuan; iYu'ebao ikhutshelwa kwi-yuan eyi-100,000 ngaphakathi komda wosuku olunye, ekufuneka ithengiswe. ngo-9:1000 rhoqo kusasa.Umda wosuku olunye kaYu Libao ugqithiselwa kwi-5000 yezigidi zabantu kunye ne-XNUMX yezigidi kumashishini ngaphandle kokukhawuleza.

5. Kukho umrhumo we-0.1% wokuhoxiswa kwe-Yu'ebao, ngelixa u-Yulibao engenzi.

Lilonke, i-Yu Libao inexabiso eliphantsi kune-Yu'e Bao, kodwa oku kunokuba ngenxa yokuba i-Yu Libao inexesha elifutshane lokukhulula kwaye okwangoku isetyenziswa kuphela linani elincinci labantu.Olu lunyuso olusemthethweni, olufana no-Yu'e Bao xa lwaluqala ukukhutshwa, kwaye lunokulungiswa kwakhona kwixesha elizayo, ngoko ke wonke umntu kufuneka ayisebenzise kwangoko ukuba ufuna ukuyisebenzisa.