Which interest rate is higher, Yu 'ebao or Bank?

First of all, bank deposits are safer than Yu 'ebao, because Yu 'ebao is actually not a deposit, but a purchased fund, which is theoretically risky. In fact, banks also have similar wealth management products, and the income is even higher than that of Yu 'ebao, so in fact, the two are not comparable.

Yu 'ebao is settled on a daily basis. You can withdraw money at any time. The account will be received within two hours, and the cash will be withdrawn to the bound bank card without any charge.

Yu 'ebao is a balance appreciation service and current fund management service product under Ant Financial, which was launched on June 20 13. Tian Hong Fund is the fund manager of Yu 'ebao.

Yu 'ebao is connected with Yu 'ebao Monetary Fund under Tian Hong Fund, which is simple to operate, low in threshold and free of handling fee. In addition to the financial management function, Yu 'ebao can also be directly used for shopping, transfer, payment, repayment and other consumer payments. It is a cash management tool in the era of mobile Internet. Yu 'ebao is still the largest monetary fund in China.

2065438+On May 3rd, 2008, Yu 'ebao newly accessed two money fund products, namely "Boss Cash Income Currency A" and "China-Europe Rolling Qian Bao Currency A", which are owned by Boss and China-Europe Fund Company.

Yu 'ebao is not only an "artifact" of national financial management, but also constantly enters various consumption scenarios, bringing small and beautiful changes to users. Starting from 20 14, Yu' ebao has successively launched projects such as buying a mobile phone with zero yuan and buying a car with Yu' ebao, so that Yu' ebao users can enjoy special preferential rights and interests, and also see Yu' ebao's imagination in the consumption field.

By 2065438+March 2005, Yu 'ebao was the first to buy a house, which was a breakthrough in Yu 'ebao's consumption scene and the first time that the real estate industry introduced Internet financial tools. At that time, Fangxing Real Estate and Taobao jointly launched the purchase project of Yu 'ebao, and released the source of 1 132 suite, supporting Yu 'ebao to purchase houses in ten major cities in China, such as Beijing, Shanghai and Nanjing. After the buyers pay the down payment through Taobao, the down payment will be frozen in Yu 'ebao.

Before the formal delivery of the house or 3 months after the down payment, the balance treasure income generated by the down payment still belongs to the buyer. This means that the goods are delivered first and then paid, and the benefits can be obtained by paying first.

It is precisely because of the emergence of Yu 'ebao that the channels for public financial management have been expanded. Under the influence of Yu 'ebao's powerful fund aggregation effect, major banks have launched similar Yu 'ebao products to meet the challenges, such as Ping An Ying of Ping An Bank, Ruyibao of Minsheng Bank, salary pots of CITIC Bank and Xincheng Fund, Xingyebao of Industrial Bank and cashier's wallet.