Ukuhlaziywa okuqhathanisayo kwe-Yu'ebao ne-Coin Pass PK: Ikuphi okuvikeleke kakhulu, okuthembekile, okungabizi kakhulu futhi okunenzuzo eyengeziwe?

I-Yiqiantong kanye ne-Yu'ebao ka-Yu'ebao zombili ziyimikhiqizo yezezimali yoshintsho oluncane.

Ngakho-ke, ingabe kungcono ukubeka imali e-Yiqiantong noma e-Yu'ebao?

Ake sibheke i-Coin Pass kanye ne-Yu'e Bao, iyiphi ephephe kakhulu, ethembekile futhi engabizi kakhulu?

• Kokubili i-Yu'e Bao kanye ne-Change Money kuxhunywe emalini yemali, futhi ukuphepha kokubili akuhlukile kakhulu.
• Ngokomlando, izimali zezimali bezilokhu ziyimikhiqizo yezezimali ewukuphathwa kwengcebo okuqinisekiswe yimali.

Iyiphi enenzuzo enkulu, i-Yu'e Bao noma i-Ziqiantong?

• Imikhawulo yokuthenga ye-Yu'E Bao ne-Yiqiantong iphansi kakhulu.
• Ungazithenga nge-yuan engu-1, kodwa cishe ayikho inzuzo engaphansi kwama-yuan angu-200
• (Uthishanhloko mncane kakhulu futhi imali engenayo incane kakhulu ukuthi ingabonakala).

Ngokungeziwe engcupheni kanye ne-liquidity, uma uqhathanisa futhi uhlaziya ukuthi yikuphi okungcono, i-Yiqiantong kanye ne-Yu'ebao, izici okufanele zicatshangelwe izinga lembuyiselo:

• Njengamanje, i-Yu'ebao ixhunywe nezimali zezezimali eziyi-16, futhi izinga layo lezinsuku eziyi-7 lembuyiselo liphakathi kuka-2.545% no-3.056%.
• Izilinganiso zenzalo zonyaka zezinsuku eziyisikhombisa zisuka ku-2.942% ziye ku-3.237%.
• I-Changelink ixhuma izinhlobo ezi-5 zezimali zemali.
• Ngokuhamba kwesikhathi, ukubuyiswa kwezimali zemali akufani neze.
• Izinsuku ezingu-7 ezenziwe ngonyaka ziyidatha yonyaka yemali engenayo yezinsuku ezingu-7 ezedlule.

Ake sithi unyaka olandelayo ugcina imbuyiselo yezinsuku eziyi-7 ezedlule kusukela onyakeni odlule, futhi imbuyiselo yonyaka olandelayo iyafana nembuyiselo yonyaka yezinsuku eziyi-7 osukwini lwamanje.

Ngakho-ke, ukufaka i-Yiqiantong noma i-Yu'ebao kuncike kakhulu ezidingweni zomuntu siqu.

Ingabe kuyabiza ukushintsha imali noma u-Yu'e Bao?

• Uma udinga ukuthenga njalo ku-JD.com, ungayifaka ku-Change Pass.
• uma ungena njaloI-TaobaoUkuthenga ku-inthanethi, ungafaka imali eningi ku-Yu'e Bao.
• Ngamafuphi, i-WeChat ayikwazi ukufaka esikhundleniAlipayTaobao shopping umsebenzi.
• Ukufaneleka kokudluliswa kwe-WeChat ngeke kuthathelwe indawo i-Alipay.
• Ngakho sicela usebenzise kokubili.

Izingozi eziphelele zokutshalwa kwezimali kanye nemikhiqizo yokuphatha ingcebo zingahlukaniswa zibe izigaba ezimbili:

1. Enye ingozi yesikhulumi;
2. Esinye isigaba ingozi yokutshalwa kwezimali.

I-Alipay, i-Yu'ebao ne-WeChat Coin Pass, ephephe kakhudlwana futhi enokwethenjelwa?

Amapulatifomu afana ne-WeChat ne-Alipay anesinye sezilawuli ezingcono kakhulu zobungozi phakathi kwezinkundla zokukhokha zezinkampani zangaphandle, futhi isizinda sazo sebhizinisi siphakathi kwezinhle kakhulu e-China.

Ngakho-ke, asikho isidingo sokuphenya ukuthi iyiphi ipulatifomu enengozi enkulu.

Kunoma ikuphi, akuvamile ukuthi lezi zinkundla ezimbili ziphelelwe imali.

Izingozi zokutshala izimali kulezi zimali ezimbili ziyefana, futhi zombili zihambisana nezimali zemali.

I-Yu'ebao yanamuhla ye-Alipay kanye ne-Yiqiantong ayisaxhumene ngokuqondile nesikhwama semali eyodwa, kodwa isihlanganiswe ukuze ixhumeke kuzimali eziningi zemali, futhi abasebenzisi bangakhetha ngokukhululekile ukuxhuma ezikhwameni zemali.

Izimali zezimali zitshala kakhulu kumathuluzi ezimali esikhathi esifushane (anesilinganiso sokuvuthwa kwezinsuku eziyi-120), njengamabhondi kamgcinimafa, izikweletu zebhange eliphakathi, iphepha lezentengiselwano, izitifiketi zediphozithi zasebhange, amabhondi kahulumeni esikhathi esifushane, amabhondi ezinkampani (anekhredithi ephezulu isilinganiso), imali efakwa phakathi kwamabhange, njll.izibambiso zamanani.

Ukufana nokwehluka kwe-Yu'ebao PK kuyashintsha

Uma ubheka kuphela ngombono wemali engenayo, kunconywa ukuthi ukhethe iphasi yokushintsha, ngoba usayizi jikelele wesikhwama se-docking pass docking ngokuvamile sincane, siyaguquguquka futhi siphezulu.

Kodwa-ke, iphutha elikhulu le-Change Pass ukuthi ayikwazi ukusebenzisana nezinhlelo zokuphatha ingcebo.

Idinga ukuxhaswa ngabanye ukuphathwa kwezimali bese idluliselwa ekuphathweni kwezimali.

Ngokungafani ne-Yu'e Bao, ezinye izinhlobo zingasetshenziswa ngokuqondile.

Abanye abantu bazothi i-Yu'ebao ayikhokhisi, futhi i-Change Pass idinga ukukhokhiswa. Ihlaya leli.

Izindlela zokuhoxa ze-Yu'ebao kanye ne-Change Pass ziyafana.

Ngokuvamile, kungase kube nemali yokuhoxisa ibhalansi.

Yebo, uma ibhalansi ye-Alipay idluliselwa ebhange lomthengisi eliku-inthanethi ukuze kukhishwe imali ekuqaleni kokubhaliswa, imali yokusingatha ingayekwa, futhi imali yokuhoxiswa izothwalwa yibhange lomthengisi eliku-inthanethi.

Kodwa-ke, amabhange abhalisiwe ku-inthanethi asakhokhisa imali.

Ngebhalansi ye-Alipay noma i-WeChat ushintsho (ukudluliselwa kwabanye abantu), kunconywa ukuthi ungayikhiphi futhi uyifake kwenye inkundla, egcina imali endaweni yokuqala futhi ilondoloze amakhadi esikweletu ukuze adluliselwe ukusetshenziswa kwesikhathi esizayo.

Fingqa ukuthi iyiphi engcono, qianqiantong kanye yu'ebao?

• Ukufingqa, kuyisisekelo sokudlulisa imali ngokuqondile ekhadini lasebhange iye e-Changqiantong noma e-Yu'ebao.
• Ayikho imali yokuphatha yokukhipha imali eChangqiantong neYu’ebao ekhadini lasebhange ngale ndlela.
• Uma isuka kubhalansi ye-Alipay noma ushintsho lwe-WeChat, dlulisela imali ku-Yu'ebao noma kushintsho lwe-WeChat.
• Ngenxa yokuthi ibhalansi ye-Alipay kanye noshintsho lwe-WeChat kudluliselwa ekhadini lakho lasebhange, imali yokubamba ingase ikhokhiswe.