There is no risk in putting money into the savings account of the online merchant bank. The online merchant bank is an internet bank approved by the China Banking Regulatory Commission and supervised by the China Banking Regulatory Commission. It runs well, has the same nature as a physical bank, and has the function of deposit and loan. In Alipay, it is only a channel to enter the online merchant bank. If you want to use, you need to download the online merchant bank on your mobile phone. After the real name registration is successful, you can use the online merchant bank to deposit and loan.

What are the financial management methods?

Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance. Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.

1. Bank investment

The wealth management products provided by commercial banks in China are generally certificates of deposit and asset management products. Funds sold by brokers or fund companies are not financial management.

2. Financial management of securities companies

Securities financing generally includes securities income certificates, asset management products and so on.

3. Insurance financing

Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.

4. Investment company financing

Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.

5. E-commerce financial management

2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.

6. There are many kinds of personal investment and wealth management products, including baby money funds, certificates of deposit, smart deposits, government bonds, funds, gold, trusts, insurance securities and wealth management. Different products have different investment starting points and corresponding risk levels, so you need to choose products that suit your risk preference, target income and liquidity preference. For example, safer products include money funds, certificates of deposit, and smart deposits. But their returns are relatively "low".