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近3个月余额宝第二次“限购”最高限额下调至十万元

2017-08-15 07:25:06   中国经济网

日前,天弘基金管理有限公司发布消息称,自8月14日零点起,将旗下货币基金天弘余额宝的个人交易账户持有额度上限调整为10万元,已有存量不受影响,上述调整不影响余额宝转出等其他服务功能。这是近3个月来余额宝第二次“限购”。今年5月份,天弘余额宝货币市场基金个人交易账户持有额度上限由100万元调整为25万元。

天弘基金有关部门负责人表示,调整后,若用户在余额宝里的资金低于10万元,仍可继续转入资金;若在余额宝里的资金已达到或超出10万元时,将无法转入更多资金。若用户在8月14日零点前余额宝里的资金超过10万元,可继续享受收益,不需要将超出部分转出。

目前看,余额宝“限购”主要有多方面原因。从公司层面看,天弘基金有关部门负责人表示,两次下调余额宝个人持有额度均是公司主动选择。余额宝自4年前上线以来,运营一直比较平稳,截至2016年底已积累了超过3.2亿用户。此次额度下调是为了坚持普惠的产品定位,服务更多大众投资者。

“余额宝用户持有的资金以小额居多,户均金额只有数千元,10万元的持有额度可以满足绝大多数余额宝用户的现金管理需要。这次限额调整后更凸显出余额宝作为小额、分散的现金管理工具的定位。”天弘基金有关部门负责人表示,后续没有继续下调个人持有额度的计划。

从金融业防控风险角度看,避免余额宝一家独大也有减少基金管理资产集中度的考虑。自今年5月份开始,余额宝连续3个月投资收益在4%以上,对闲散资金的吸引力增大。截至2017年6月底,余额宝规模增长至1.43万亿元,比今年一季度增加近3000亿元。

金牛理财网分析师宫曼琳认为,作为单只货币基金而言,余额宝的风险控制、资产管理本是企业自主行为,外界无权干涉。但作为全球最大规模货币基金来说,余额宝存在的意义已超过产品界限,涉及银行、债券、基金等多个领域,在规模快速增加过程中有必要采取措施,减少可能引发的管理风险、流动性风险或其他连锁反应,防范金融行业系统性风险。

济安金信基金评价中心主任王群航表示,随着蚂蚁金服持续将平台和技术对金融机构开放,以前独占渠道优势的余额宝也被多只同类产品分流,目前已有博时基金、建信基金、农银基金、招商基金、中银基金等多家基金公司的货币基金产品上线蚂蚁财富平台,意在分散可能的流动性风险。(经济日报记者 周 琳)

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