Have you ever used Balance Treasure?
Balance treasure is a financial function in Alipay, and this function has no threshold, as long as it is opened, a dollar can also be put in, and there is no handling fee, of course, the more the amount of storage, the higher the income, in addition, it can be used at any time, can be used directly for shopping, payment and other consumption, so the use of users also have hundreds of millions.
It is precisely because there are too many users of Alipay, once some movement is issued, it will immediately attract everyone's attention, not long ago, Ma Dad cashed out 43 billion behavior can not help but make everyone panic, a person who said that he does not love money but cashed out so much, is there any problem with Ali? If Alipay goes bankrupt, can everyone's money still be taken out?
▲Balance treasure
Ma Yun cashed out 43 billion
In fact, this is not the first time to cash out, do you remember in 2013, Ma Yun announced the resignation of Ali's CEO position, when many people speculated that he may want to retire early, in fact, he just took a back seat, and self-protection, to reduce the pressure on himself. In September last year, Ma Yun announced his complete withdrawal from Alibaba Group, although on the surface he has no right to speak, but in fact there are still many decisions to be decided by him.
▲Jack Ma
In addition, Ma Yun's Ali shares are also gradually reduced, in Ali just listed that meeting, Ma Yun almost 7.8% of the shares, but since 2016, he gradually sold the shares in his hands, cashed out 2.86 billion in that year, followed by two years of a total of 15.5 billion yuan, to 2020, directly cashed out 43 billion, now Ma Yun's shares have been less than 5%, he once did not love money people also collapsed, and this year, Ma Yun seems to have rarely appeared in front of everyone's eyes, This makes everyone wonder about Ali's development, and of course, they are more worried about the money they have stored in Alipay.
▲Alipay
Can the money of The Balance Treasure be taken out?
Many people will ask such a question, in case Alipay falls, can you still get money? Of course. A closer look will reveal that the money we put in Alipay has gone into China CITIC Bank, so the safety of the funds is guaranteed.
Secondly, the balance treasure is also a way of wealth management, so there is the supervision and management of the central bank, that is to say, after everyone's money is deposited in the balance treasure, it will be deposited into the account of China CITIC Bank, and it will be taken care of by the central bank, Alipay is not eligible for unauthorized misappropriation, of course, for this reason, the interest rate of the balance treasure is gradually decreasing.
▲Balance treasure income
So you don't have to worry about your money being stuck by Alipay, even if it goes out of business, the central bank will pay back all the deposits.
The same principle also applies to the fund, many users value its high yield, so the money is used to buy the fund, Alipay is just to provide a platform for everyone to buy, the money to buy the fund is placed in the bank with which to cooperate, so there is no need to worry.
▲Fund
Do you still want to pay back the flowers?
Another function of Alipay, Huabei, which is also often used by everyone, Huabei can help everyone consume in advance, but when it comes to the repayment date, everyone will always sigh and think how good it would be if you don't have to pay back Huabei. Therefore, some people think, if Alipay goes out of business one day, will Huabei not have to pay it back? This can only make people say, wake up!
Even if it goes out of business, there are courts to come forward to recover the debt, and then it is very likely to directly deduct the balance of the bank card, if the balance is insufficient, it will be notified by letter, if it has been delayed, then wait to be pulled into the list of untrustworthiness, and from then on be a free old lai.
▲Flowers
epilogue
In general, everyone's money in Alipay is ultimately kept by the bank, even if Alipay is really gone one day, your funds will still return to your hands. At the same time, don't be delusional about defaulting on huabei, and if you don't pay off your debts, you will become a dishonest sooner or later.