As people have fewer funds, they are also likely to invest less through online wealth management services. China's online wealth management services allow users to invest in assets like money market funds and funds of funds. For example, Alibaba offers Yu'e Bao for online shoppers to invest some of their leftover cash in a money market fund, while Creditease offers a fund of funds covering a variety of asset categories. These investment outlets have become increasingly popular, since China has few other investment outlets with stable and strong returns. Due to the negative effect of the trade war, available funds for private investment may decline.

如果整体经济活动放缓，互联网保险也有可能受影响。众安保险等在线保险公司推出与网购密切相关的产品，例如众安的电商产品退货保险，以及通过携程旅行网购买的旅游保险。由于电子商务受影响，众安保险这样的公司也会受到波及。

Online insurance is also likely to be affected, if overall economic activity slows. Online insurance companies like Zhongan Insurance have created products that are closely tied to online purchases. For example, Zhongan offers insurance covering e-commerce product returns as well as travel insurance that can be purchased through Ctrip, a travel website. As e-commerce is affected, companies like Zhongan Insurance will also be affected.

尽管中国服务业在中美贸易战中还没有成为直接的征税目标，但由于与美国的跨境业务放缓、经济减速加剧以及信贷紧缩，金融科技服务也会受到不利影响。不过，中国政府已经敏锐地觉察贸易战的波及面，正努力帮助中国企业寻找采购与销售替代市场。这是一项艰巨的任务，因为关税种类实在太多。与通过传统方式买卖的商品一样，中国电商最终也可能离开美国的产品和消费者，转向欧洲或亚洲市场。这个转换过程将有助于中国的电子商务体系渡过难关，减轻与在线活动密切相关的金融科技行业受到的不利影响。

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