Ingakanani imali engenayo yemikhiqizo yokuphatha ingcebo ye-Alipay?I-Alipay Fund Yield Calculation

wonke umuntuAlipayIzinga le-platform lokuphatha ingcebo lembuyiselo likhathazeke kakhulu, njengokuthi: Isilinganiso se-Alipay fund yendlela yokubala yokubuyisela.

• Ngenxa yokuthi ngitshale futhi kumaphrojekthi ahambisanayo, ngithemba ukuthi ngemizamo yami noma ngombono ongcono, ngingathola inzuzo eyengeziwe kuwo.
• Uma kungenjalo, akunangqondo ukungena amaphrojekthi anjalo wezezimali uwedwa;
• Kuphela ngokuthola imali eyengeziwe kuyo, ngingakwazi ukuqonda ngokugcwele inqubo, futhi ngeke ngilahlekelwe yinoma yikuphi phakathi nenqubo.

Ungahlola kanjani isivuno se-Alipay fund?

Ungabheka kanjani imali engenayo enemininingwane yemali engenayo ye-Alipay fund?Izinyathelo ezithile zimi kanje:

1) Sicela uvule i-akhawunti yakho ye-Alipay

• Bese ungichofoza ekhoneni elingezansi kwesokudla.
• Kusixhumi esibonakalayo esizivelelayo, chofoza Isamba Sempahla.
• Ngokuphelele kwezimpahla, kunesigaba sesikhwama, chofoza ukuze ufake lesi sigaba ▼

2) Ngemva kokuchofoza le nketho yomsebenzi, izobonisa zonke izimali ozithengile, imali engenayo yayizolo, futhi ngakusasa kuzobonisa iholo layizolo▼

3) Chofoza ukuze ubuke isikhwama esithile, bese uchofoza imininingwane yemali engenayo▼

Okungenhla ukuthi ungabheka kanjani izinga lokubuya kwe-Alipay fund.

Ibalwa kanjani i-Alipay Fund Yield?

Imali engenayo ye-Alipay Fund Yield ibalwa ngale ndlela:

• Isibonelo, isikhwama sokuphatha ingcebo sinenzalo engu-3.90%.
• Uma utshala imali engu-10 yuan.
• 10 yuan uthishanhloko wakho.
• Uthishanhloko ophindwe ngenani lenzalo, ehlukaniswa ngo-365, ilingana nembuyiselo yansuku zonke.

Ibalwa kanjani imbuyiselo yonyaka (imbuyiselo yonyaka elindelwe) yesikhwama sesitoko?

• Isilinganiso sembuyiselo esilindelwe sesikhwama sonyaka = iyunithi yesikhwama × (inani lesamba lamayunithi esikhwama ngosuku lokuhlengwa - inani eliphelele lamayunithi esikhwama ngosuku lokubhalisa) - imali yokuhlenga
• Iyunithi Yesikhwama = (Inani Lokubhalisa - Inani Lokubhalisa × Isilinganiso Semali Yokubhalisa) ÷ Isamba Senani Lamayunithi Esikhwama NgoSuku
• Imali yokuhlenga = iyunithi yokuhlenga × inani eliphelele lamayunithi esikhwama ngosuku lokuhlengwa × izinga lokuhlengwa
• Izinga lonyaka lembuyiselo elilindelekile = (inani eliphelele lempahla - isamba sokutshalwa kwezimali) ÷ isamba sokutshalwa kwezimali × 100%
• Isilinganiso sesilinganiso sonyaka sembuyiselo esilindelekile = (inani eliphelele elilindelekile lembuyiselo yonyaka + 1) impande yesikwele (12/inombolo yezinyanga ezimisiwe zokutshala) - 1
• Isabelo sesikhwama = inani lokubhalisa * (1 - inani lemali yokubhalisa) / inani lengqikithi yesikhwama ngosuku lokubhalisa;
• Isilinganiso sonyaka sembuyiselo esilindelwe = amasheya esikhwama * inani lengqikithi yesikhwama ngosuku lokuhlengwa * (1 - isilinganiso sokuhlengwa) + izabelo zemali phakathi naleso sikhathi - inani lokubhalisa.
• Uma indlela yokusabalalisa izabelo kuwukuboleka kabusha izabelo, amasheya esikhwama kufanele abuzwe ku-akhawunti yesikhwama.

Okungenhla indlela yokubala yemali engenayo ye-Alipay fund.

Lithini izinga lemali engenayo yokuphathwa kwengcebo yesikhulumi se-Alipay?

Abantu kumele banake kakhulu iholo elitholakala embonini yokuphathwa kwezimali.Ngisho noma bengatshalanga inani elithile lezimali emikhiqizweni ehambisanayo, kufanele banake intuthuko yakamuva embonini ngesikhathi sabo sokuphumula.amaphrojekthi ambalwa.

Lapho utshala imali esikhathini esizayo, ungathola namathuba afanelekile, uqonde ngokugcwele imithetho ekule phrojekthi, futhi ukholwe ukuthi kuzokusiza kakhulu nesiqondiso sokuthi utshale kwezinye izici, futhi ungakwazi futhi ukwazi imininingwane ethile. izilinganiso zemali engenayo nazo zingaqondwa kangcono uma kulinganiswa esikhathini esizayo.

Lithini izinga lemali engenayo yokuphathwa kwengcebo yesikhulumi se-Alipay manje?Embuzweni onjalo, into yokuqala abantu okufanele bayazi ukuthi singakanani isikhathi angatshala kuso. Ngokuvamile, ukutshalwa kwezimali kungenziwa cishe ngama-yuan angu-XNUMX. Uma abantu benomuzwa wokuthi ukubamba kwabo akukukhulu kakhulu, bangakhipha utshalomali. Okokuqala, imadlana encane yokutshala ngokufanele.

Bheka ukuthi ingabe le mboni ikufanele ngempela yini, noma yimaphi amaphrojekthi amahle kuwo, angakwenza uthole izinzuzo ezihambisanayo. Uma usujwayelene nayo, ungakhipha imali eyengeziwe ukuze uyitshale. Ngale ndlela uwine ulahlekelwe kakhulu.

I-Alipay platform management isivuno

Izinga lembuyiselo yezimali yenkundla ye-Alipay licishe libe ngu-12%. Impela, lesi inani elilinganiselwe. Lingase lihluke ezimeni ezihlukahlukene. Cishe lingaba ngu-3% phezulu naphansi. Inqobo nje uma abantu bengakwazi ukubamba amaphrojekthi ngaphakathi, futhi Ujwayelene ukuthi imboni isebenza kanjani.

Uma ucophelela kakhulu ohlelweni, uzokwazi ukuthola izinzuzo ezinhle kakhulu.Lokhu kubaluleke kakhulu, futhi kuyinto abantu abakhathazeke ngayo kakhulu.

Yebo, kungase kube nezinguquko ezinkulu uma kuqhathaniswa kwezinye zalezi sivuno, inqobo nje uma abantu bekwazi ukuzilawula kahle, ngeke kube nezinkinga.

• Ngenxa yokuqonda okuhlukene, abanye abantu baqonda izimali zokuphatha ingcebo njengezimali zesitoko;
• Eqinisweni, kokubili kuhluke kakhulu.
• Izimali ze-Equity zinenzuzo ephezulu, kodwa ubungozi bokutshala izimali obuhambisanayo nabo buphezulu.
• Nokho, lesi sihloko sethula izinhlobo ezimbili zoxhaso wonke umuntu angafunda futhi aziqonde.

I-Alipay iyithola kanjani imbuyiselo ephezulu yezezimali?Indlela enenzuzo kakhulu yokuphatha ingcebo ye-Alipay, sicela uchofoze isixhumanisi esilandelayo ukuze ubuke ▼