Should I save money in Alipay? We can look at it in two ways. The first is that money should be stable, that is, it is not easy to lose; The other is to make money as an investment.
1. The first way of thinking: Personally, I suggest focusing on the four major state-owned banks, because the state has allowed commercial banks to go bankrupt, so the bank where you save money will lose money. Secondly, in terms of strength, the strength of the four major state-owned banks in China is stronger than Alipay, that is, Ant Financial; Finally, Alipay's biggest profit, Yu 'ebao, has been increasingly suppressed by state-owned banks, saving money at 9: 00 every morning, so Alipay has been recommending Yu Bao Li, the online merchant bank of its own bank; If you choose a state-owned bank, you can query the deposit interest rate and store it.
2. People with the second way of thinking: Alibaba Alipay and Tencent WeChat Finance are the best candidates. As mentioned above, Alipay Yu 'ebao wants to grab it, but personally it is easy to grab it (data traffic is recommended). At the same time, it should be noted that the interest rate of Yu Bao Li of online merchant bank is lower than that of Yu 'ebao, while Tencent Wealth Management is slightly higher. Personally, the deposit balance treasure is pocket money, and the stable income is not as good as the fund.
In addition, if 1 10,000 yuan is put into Alipay, you can spend a few dollars to buy insurance and lose the full escort. If you put/kloc-0 million yuan in the bank, you will lose all your/kloc-0 million yuan because of the corruption of some people in the bank. I remember that banks have the highest payment ratio, which seems to be 30% or 40%. Most people don't know. Of course, I'm talking about the highest compensation ratio, and the compensation you can actually get from the bank will never exceed this ratio.