支付宝余额宝有风险吗
关键词：支付宝余额宝有风险吗
支付宝余额宝有风险吗？首先，我们需要分为两部分来解答：一是支付宝有风险吗？二是余额宝 有风险吗？小编对此的回答是：任何的投资都是有风险的。
一、支付宝有风险？
支付宝主要提供支付及理财服务。包括网购担保交易、网络支付、转账、信用卡还款、手机充值、水电煤缴费、个人理财等多个领域。在进入移动支付领域后，为零售百货、电影院线、连锁商超和出租车等多个行业提供服务。还推出了余额宝等理财服务。支付宝与国内外180多家银行以及VISA、MasterCard国际组织等机构建立战略合作关系，成为金融机构在电子支付领域最为信任的合作伙伴。
支付宝可以交水电费、给信用卡还款、送红包哦。
1、买家使用的好处
1、货款先由支付宝保管，收货满意后才付钱给卖家，安全放心
2、不必跑银行汇款，网上在线支付，方便简单
3、付款成功后，卖家立刻发货，快速高效
2、卖家使用的好处
1、无需到银行查账，支付宝即时告知您买家付款情况，省力、省时
2、账目分明，交易管理帮您清晰地记录每一笔交易的详细信息，省心
3、支付宝认证是卖家信誉的有效体现
二、余额宝有风险吗
余额宝的收益是远高于银行活期存款利息的，但是余额宝销售的这款增利宝货币基金是一款新发基金其能够募集的规模和基金经理对于流动性的控制都是未知。并且由于其面向的客户群体的特殊性，未来会否出现挤兑也是未知数。因此目前来看这款货币基金，风险相对要高于市场同类产品，更要高于银行存款。除此之外，货币型基金的收益并不固定，如果货币市场表现不好，货币性基金收益也会随之下降，因此余额宝并不能给投资者带来稳定的高收益。
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收益安全 |
购买基金有一定风险，余额宝购买的货币基金是风险最小的投资产品。 |
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从历史数据来看收益稳定，风险极小 |
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账户安全 |
您转入余额宝的资金受到支付宝安全保障。若经核实确实存在被盗的情况，核实后将对您做全额补偿。 |
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建议安装支付宝数字证书等安全产品，提升安全性。 |
本文来源： 大田环球贵金属
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