支付宝和余额宝的区别？
关键词：支付宝和余额宝的区别？
最近一群拥有支付宝的朋友们都纷纷地加入到余额宝大军的行列中，想必他们一定对支付宝和余额宝的区别有一定的了解。那么，你清楚支付宝和余额宝的区别吗？
一、什么是支付宝？
支付宝是由阿里巴巴集团创办的国内领先的独立的第三方支付平台，是网络支付方式。支付宝是支付宝公司针对网上交易而特别推出的安全付款服务，其运作的实质是以支付宝为信用中介，在买家确认收到商品前，由支付宝替买卖双方暂时保管货款的一种增值服务，而无需使用复杂的网银。
二、什么是余额宝？
余额宝是支付宝最新推出的余额增值服务，把钱转入余额宝中就可获得一定的收益，实际上是购买了一款由天弘基金提供的名为“ 增利宝”的货币基金。余额宝是每天都有收益回报的，收益计算公式如下：( 余额宝资金/10000 )X基金公司公布的每万份收益。
三、支付宝与余额宝的区别？
支付宝与余额宝他们的相同点都是网络消费支付工具，它们两个全面支持网购消费等功能。它们两者之间的区别主要是三个方面：
1.余额宝是支付宝的一个子产品。余额宝内的基金资产依靠支付宝，没有支付宝就没有余额宝。其实，余额宝是由支付宝推出的增值服务。投资者通过支付宝账户购买余额宝。具体操作流程是投资者通过将自己的银行卡关联支付宝账户可以将资金通过银行卡转入支付宝账户之后通过支付宝账户购买余额宝
2.支付宝与余额宝的安全性。支付宝是完全没有风险性可言，而余额宝是有一定风险的。因为余额宝实际上是购买了“增利宝”货币基金。货币基金作为基金产品的一种，理论上存在亏损可能，但从历史数据来看收益稳定风险极小。另外，余额宝不仅能够做到收益安全，而且还能做到账户安全。支付宝对余额宝还提供了被盗金额补偿的保障。
3.余额宝有收益，支付没有收益。这是支付宝和余额宝最大的区别。余额宝实际上是货币基金，它本身就是购买了一款由天弘基金提供的名为“ 增利宝”的货币基金。余额宝是每天都有收益回报的。
本文来源： 大田环球贵金属
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