Umehluko phakathi kwe-Alipay Yulibao ne-Yu'ebao, yikuphi okungcono?

Nginesiqiniseko sokuthi ubungamazi u-Andy Lau ngenkathi useShayina, kodwa uqinisekile ukuthi umaziUMa Yun.Akumele usebenzise i-Huabei ne-Yu'e Bao, kodwa nakanjani uzoba nazoAlipay, kungashiwo ukuthi i-Alipay,I-Taobao, Jack Ma, laba abathathu bahlanganiswe eduze, laba abathathu babalulekile.Ngocwaningo oluqhubekayo nokuthuthukiswa, i-Alipay iye yaba ngcono kancane kancane, ayiseyona inkundla yokuthenga ye-inthanethi eyodwa, kodwa imboni yezezimali ekhokhelwayo, kanye nemikhiqizo yayo yangaphakathi nayo ithuthuka njalo.

Umehluko phakathi kwe-Alipay Yulibao ne-Yu'ebao, yikuphi okungcono?

Ngikholwa ukuthi abangani abasebenzisa i-Alipay banokuqonda okuthile nge-Yu'ebao, kodwa u-Alipay une-Yu'ebao kanye ne-Yulibao. Uyini umehluko phakathi kwakho kokubili?Yikuphi okungcono ukufaka imali?

I-Yu’e Bao: I-Yu’e Bao iyisevisi ye-Ant yokwengezwa kwenani kanye nomkhiqizo wamanje wesevisi yokuphathwa kwesikhwama.Ibonakala ngokusebenza okulula, i-threshold ephansi, imali eyiziro kanye nokusebenziseka.I-Yu’ebao akuwona kuphela umkhiqizo owodwa wokuphatha ingcebo, kodwa futhi iyindlela yokukhokha engasetshenziswa ngokuqondile ekuthengeni, noma ngabe ukusetshenziswa ungaxhunyiwe ku-inthanethi noma ukuthenga ku-inthanethi.

I-Yu Libao: I-Yu Libao iwumkhiqizo wokuphatha ukheshi wabantu, amabhizinisi amancane nancane, kanye nabaqhubi abancane nabancane. Umkhiqizo wokuphatha ingcebo othuthukiswe ngokuhlanganyela yi-China Netcom Bank kanye ne-Tianhong Fund inezici zokusebenziseka kalula, ukuguquguquka nokuvikeleka.

Umehluko omkhulu phakathi kwalokhu okubili:

1. I-Yu’e Bao ihloselwe abasebenzisi ngabanye, kuyilapho i-Yu Libao ihloselwe kakhulu opharetha kanye namabhizinisi amancane nancane.

2. Isilinganiso semali engenayo yanyanga zonke ye-Yu'ebao amaphuzu angu-2-3, kanti imali engenayo ka-Yu Libao imayelana namaphoyinti angu-4.

3. Inkokhelo ephelele u-Yu Libao okudingeka ayikhokhe ngu-0.63%/ngonyaka, kuyilapho inkokhelo ephelele u-Yu Libao okudingeka ayikhokhe ingu-0.55%/ngonyaka.

4. Umkhawulo wansuku zonke we-Yu Libao ungamayuan angama-5, umkhawulo wansuku zonke we-Yu Libao yi-yuan eyisigidi, kanti ibhizinisi yuan ayizigidi ezi-100; i-Yu'ebao idluliselwa kumayuan ayi-500 ngaphakathi komkhawulo wosuku olulodwa, odinga ukuthengiswa. ngo-100,000:9 njalo ekuseni.Umkhawulo wosuku olulodwa kaYu Libao udluliselwa ezigidini eziyi-1000 kubantu ngabanye kanye nezigidi ezingama-5000 zamabhizinisi ngaphandle kokuvela.

5. Kunenkokhelo engu-0.1% yokuhoxa e-Yu’ebao, kuyilapho i-Yulibao ingenayo.

Sekukonke, i-Yu Libao ibiza kakhulu kune-Yu'e Bao, kodwa lokhu kungase futhi kube ngenxa yokuthi i-Yu Libao inesikhathi esifushane sokukhululwa futhi okwamanje isetshenziswa kuphela inani elincane labantu.Lena iphromoshini esemthethweni, efana neyomnikelo ka-Yu'e Bao yokuqala yasesidlangalaleni, futhi ingase ihlelwe kabusha ngokuzayo, ngakho wonke umuntu kufanele ayisebenzise kusenesikhathi uma efuna ukuyisebenzisa.