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Man-hours Online Consultation Telephone Handling Complaint Increase Limit Withdrawal Unfreeze Verification Account Activation Negative Review! Please do not make other calls to avoid being deceived. Please look for the only official phone number according to the third-party service guarantee model Formulate these rules "WeChat Financial Management Declaration", "WeChat Financial Management Service Agreement" and "Alipay Service Agreement". Tong was independently established as Zhejiang WeChat Licaitong Network Technology Co., Ltd. in March 2018 and is an affiliated company of Alipay Group. The company announced a breakthrough in the number of users in March. Starting from 2020, WeChat Financial Management will close the credit card recharge service, but you can continue to use credit cards for payment. On the day of the year, the capital flow cooperation will be suspended and no new contracts will be signed. On the day of the year, it was stated on the official Weibo that due to some well-known reasons, WeChat Financial Management will cease all offline businesses. Starting from the day of the year, WeChat Financial Management will adjust the preferential policies for personal account transfer services. When transferring money from a WeChat Financial Link account on a computer, the amount of each transaction is charged, charged, and capped at RMB. Users can choose to use Alipay wallet to log in to the Alipay wallet with a mobile phone to make transfers. No fees are charged. The WeChat Financial Link transfer limit is also There is no upper limit. It can only be transferred out through WeChat Financial Management. After transferring in, the calculation of income will start after the fund company's share becomes effective. Transfer in before 1 working day, and it will take effect on the second working day. After 1 working day, it will take effect on the third working day. Transfer time fund The company confirmed that the time for the first time to calculate the income is Monday ~ Tuesday Wednesday Thursday ~ Wednesday Thursday Friday ~ Thursday Friday Saturday ~ Friday next Monday Tuesday Friday next week Monday next Tuesday next Wednesday Alipay wallet payment is successful such as fund If the company fails to process, the funds will be returned to the bank card used by the user to pay or to the balance of the WeChat Financial Management Account. WeChat Financial Management supports active transfer operations from this Alipay wallet. If the transfer order created on the computer is not paid, this Alipay wallet can be used for payment. After the WeChat Financial Management Transfer is transferred, the total holding amount cannot exceed RMB 10,000. If the existing WeChat Financial Management Connect users have a balance exceeding RMB 10,000, it will not be affected. The minimum amount for a single transfer to WeChat Financial Management is RMB, which can be a positive integer. Compare the bank WeChat Wealth Management Channel to purchase currency funds. Monetary funds are a type of product with relatively low risk among all fund products. They are generally used to invest in safe, high-yield and stable financial instruments such as treasury bonds and bank deposits. The annualized rate of return of domestic currency funds is generally between 0 and 100, while the annual return of demand deposits is only . To put it simply, for ten thousand yuan, the annual income through current deposits is only yuan, while the annual income through the WeChat Financial Management Account can reach about yuan. Ma Weihua, former president of China Merchants Bank, said that the biggest threat to China Merchants Bank comes from WeChat Financial Management. Obviously, the emerging Internet finance is gradually encroaching on the territory that originally belonged to banks. Some people believe that in addition to increasing the value of customers' accounts, it will attract more idle funds to WeChat Financial Management, which will inevitably have an impact on the bank's business. Historically, there have been almost no instances where money funds have suffered annual losses. As a type of fund product, monetary funds are not equivalent to capital-guaranteed demand savings. In theory, there is still the possibility of losses, but historical data shows that the risk of stable income is relatively small. Sources from WeChat Financial Management revealed that it is most cost-effective to transfer money to your WeChat Financial Management account before 1pm every Monday to Thursday. For example, funds transferred to WeChat Financial Management can be used for consumption at any time, but to obtain income, you have to wait for the fund company to confirm the share of the monetary fund. For funds transferred to the WeChat Financial Management Account before noon on Monday, the fund company will confirm the share on Tuesday and distribute Tuesday's earnings to the WeChat Financial Management Account before noon on Wednesday, which means that you will be able to see the WeChat Financial Management Account before noon on Wednesday. brought benefits. Risk Analysis Editor Money Market Risk The income of currency funds is not fixed, and the same is true for WeChat Financial Management. If the money market performs poorly, the income of monetary funds will also decrease. The income of WeChat Financial Management accounts comes from the income of the money fund market. It is not WeChat Financial Management Payment. Risks of Competition with Banks WeChat WeChat WeChat Wealth Management launched WeChat WeChat Wealth Management Wallet in order to increase user stickiness and attract users' idle current deposits to WeChat WeChat WeChat Wealth Management accounts to facilitate users to shop on WeChat WeChat WeChat Wealth Management. This will endanger the interests of banks to a certain extent. Dispute Risk WeChat Financial Management does not remind users of the investment risks of money funds. Once WeChat Financial Management users have a dispute over earnings, legal disputes will be difficult to avoid, and the resulting impact is difficult to estimate. In terms of supervision, in accordance with the central bank's management regulations for third-party payment platforms, WeChat Financial Management balances can be used to purchase agreement deposits, but there are no clear regulations on whether funds can be purchased. The flow of funds in the WeChat Financial Management Account is through the transfer between bank cards and monetary funds, that is, funds are transferred from personal bank cards to WeChat Financial Management accounts, and then from WeChat Financial Management to WeChat Financial Management wallets. WeChat Financial Management Investment Monetary Funds Traditional monetary funds are personal Bank cards to money funds. In other words, in terms of fund circulation, the existence of WeChat Financial Management Wallet in WeChat Financial Management has affected the circulation income of the banking system from personal bank cards to monetary fund custodian banks. Reached, the cumulative transferred capital scale is RMB. Data from Tianxiang Investment Consulting shows that in the third quarter, the size of the Tianhong Zenglibao Monetary Fund, which is connected to Alipay, reached RMB 10,000, an increase from RMB 1,000 at the end of the second quarter. It has become the largest fund on the market. The second largest fund is the China Cash Monetary Fund. The scale is yuan. Alipay's scale: Data released by the Asset Management Association of China on January 1, 2020 show that as of the end of the year, the total scale of domestic monetary funds was 1.5%. As of 2019, the scale of Tianhong Zenglibao Monetary Fund exceeded 100 million yuan, and the number of users was nearly 10,000. Tianhong Zenglibao became the first fund in the history of domestic funds to break through the 100 billion mark, ranking first among global currency funds. Its Tianhong Zenglibao Monetary Fund has nearly doubled in size from yuan at the end of the month, just over a month after WeChat Financial Management was launched. As of the day of the year, the number of WeChat Financial Management Connect customers has reached 10,000 people, equivalent to 100 million yuan. Since its establishment, WeChat Financial Management Connect has brought users a cumulative revenue of RMB 10,000. Since its launch, the daily revenue per 10,000 copies has remained above 10,000 yuan. Monetary funds have the most stable income of 10,000 shares. The total income level since its establishment ranks first among similar monetary funds. Paipai Weidian, a subsidiary of Jingdong Group, recently held an investment conference in Hangzhou, the base camp of Taobao, with the participation of nearly famous merchants. At the meeting A series of preferential conditions, product gameplay and investment policies were announced, officially opening the year's investment promotion. Guo Bin, the person in charge of Paipai Weidian, said that compared with the traditional model, Paipai Weidian relies on the resources and social advantages of JD.com and Tencent to provide sellers with lower-cost traffic and new ways of mobile social e-commerce, and will provide sellers with more low-cost traffic and new ways of mobile social e-commerce. A new business platform is provided for sellers who are currently struggling to survive. As well as Tencent's wireless Guangdiantong advertising system, they jointly attract traffic to sellers. Currently, the acquisition cost of an order in Paipai Weidian is one-third of that of traditional platforms. At the same time, Paipai Weidian also encourages merchants to guide users to follow merchant service accounts, and develop social products such as red envelopes, sign-ins, and group purchases for merchants.