Now WeChat has developed into an indispensable software in our lives. People can not only socialize through WeChat, but also conduct mobile payments, loans, financial management, etc. Lingqiantong is a financial management tool in WeChat. Platform, this platform is mainly provided by Tencent Financial Management and WeBank ***. Some friends don’t know much about Lingqiantong, so are there any risks in Lingqiantong? Is it safe to store money in Qianqiantong?

Lingqiantong is a financial management platform in WeChat. This product is very similar to the Yu'E Bao in Alipay that we are familiar with. WeChat users transfer money to WeChat Lingqiantong, which is essentially buying WeChat Lingqiantong. It is a money fund product, so when a bank deposits money into Lingqiantong, it will generate income. The daily income of money funds will change according to market fluctuations, so the daily income of WeChat Lingqiantong is not fixed.

The essence of transferring money to Lingqiantong is to purchase money fund financial products. Money fund is an open-end fund. The advantages of money fund are as follows:

1. Security High sex. The investment direction of the fund determines its risk level. Monetary fund assets mainly invest in short-term monetary instruments, such as treasury bonds, bank certificates of deposit, central bank bills, commercial paper, government short-term bonds and other short-term securities. It can be seen from the flow of funds that the safety of monetary funds is still very high.

2. High liquidity. Monetary funds support subscription or redemption at any time, and the funds are received within a certain period of time. For investors, depositing money in Lingqiantong can meet the liquidity needs.

3. Stable and guaranteed income. The income level of most monetary fund products can reach the investment level of treasury bonds. For WeChat users, depositing money in Lingqiantong can guarantee income.

From the above content, we can see that Lingqiantong is very safe, because Lingqiantong is equal to a currency fund. A currency fund is a low-risk financial product. Although the currency fund does not guarantee interest income, at least the principal It is safe. At present, money fund products have not experienced principal losses. The income of money funds determines the daily rate of return based on changes in market conditions.

In addition, Lingqiantong has an insurance guarantee of 1 million yuan. Tencent Payment and PICC Property & Casualty Insurance Co., Ltd. give each user who completes WeChat real-name authentication a free account guarantee of 1 million yuan. The 1 million yuan guarantee mainly includes: Bank There are 4 types of assets including cards, change, change, and wealth management. Therefore, if the account is stolen and the funds are lost, then 100% compensation will be made within 1 million yuan.

Based on the above analysis, it is known that it is relatively safe for users to transfer funds from WeChat Change to WeChat Lingqiantong. Although Lingqiantong is essentially a monetary fund, and monetary funds do not guarantee returns, everyone basically No need to worry about losing your principal.