余额宝是什么？
关键词：余额宝是什么？
随着网络购物的迅速发展，支付宝相信大家是再熟悉不过的了，但是知道余额宝的人确是少之又少的。那么余额宝是什么呢？下面，大田环球贵金属小编就带大家一起去了解一下余额宝吧！
一、余额宝简介
余额宝是由支付宝打造出来的一项余额增值服务，通俗一点来说就是把钱存到余额宝里，就可以享受比活期存款还要高的盈利率。
二、余额宝的特点
1. 余额宝不仅能够得到较高的收益，还能随时消费支付和转出，无任何手续费。
2. 可以直接在支付宝网站内购买理财产品，获得相对较高的收益；
3. 余额宝内的资金可以随时用于网上购物、支付宝转账等支付功能。
三、余额宝的风险
1.货币市场风险
余额宝的盈利是来源于货币基金市场盈利，并不是支付宝本身支付。如果货币市场表现不好货币基金收益会随之下降，余额宝的收益也会下降。
2.与银行竞争风险
余额宝是支付宝推出的增值业务，是为了提升用户的粘度，吸引用户把闲置的存款放到余额宝中，一方面是为了方便用户在淘宝购物，另一方面在一定程度上会危及银行的利益。
3.纠纷风险
余额宝对于货币基金的投资风险并没有详细的介绍或者提醒，一旦余额宝用户因收益发生争执，法律纠纷很难避免，因此引发的影响也是我们不能评估的。
4.在监管方面
根据第三方支付平台的管理规定，余额宝可以购买协议存款，但是对于能否购买基金并没有明确的规定。从监管方面来说，余额宝并不合法。一旦监管部门发难，余额宝有可能会被叫停。
综上所述，使用余额宝赚钱是存在一定的风险的投资，小编要告诉一种风险是可控的而且收益也十分可观的投资产品，就是贵金属，其能实现24小时不间断交易，吸引了众多投资者。另外，其操作十分简便，只要看准趋势就可以赚钱。想了解更多现在登陆大田环球贵金属官网即可详细了解。
本文来源： 大田环球贵金属
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