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理财看中流动性还是收益性

2017-08-10 06:38:16   中国青年网

▲ 流动性较高的“宝宝类”货币基金、收益率较高的P2P网贷、收益稳定的银行理财,投资者可根据自身需求,从流动性、利率、风险偏好等几个方面综合考量

互联网货币基金的本质是货币基金,变化的是销售渠道。以前基金大多在银行销售,2013年6月份,余额宝横空出世,改变了基金销售格局,打开了互联网货币基金的大门,“宝宝类”理财产品迅速壮大。

据网贷之家不完全统计,截止到2017年7月26日,全国共有627只货币基金,总规模约为5.124万亿元。目前市场上约70个“宝宝类”产品共挂钩97只货币基金,其货币基金总规模为2.172万亿元,占总规模的42.34%。

网贷之家研究员刘美茹表示,根据“宝宝类”不同发行主体,可分为四类:由互联网平台发行的为互联网系;基金公司发行的为基金系;银行发行的为银行系;券商发行的为券商系。其中,由基金公司自身创建的宝宝类产品数量最多,高达37个,且不少基金公司旗下不只一个宝宝类产品;其次是互联网系宝宝类产品有18个;银行系有14个;券商系仅国金证券旗下的佣金宝这一个产品。

记者了解到,根据对接的货币基金数量,“宝宝类”产品挂钩的货币基金模式主要分为两类:一类是一个“宝宝类”产品挂钩一只货币基金的“一对一”模式;一类是挂钩多只货币基金的“一对多”模式,投资者可自由选择。

“货币基金的资产配置主要为银行存款和清算备付金、债券和买入返售证券。”刘美茹表示,其中银行存款是指存入银行或其他金融机构的各项款项,货币基金的存款形式是银行协议存款,高于普通存款利率;清算备付金是指为证券交易的资金结算而存入证券登记结算机构的款项;债券包括国债、金融债、银行同业存单等;买入返售证券是以合同或协议的方式,按一定价格买入证券,到期日再按合同规定的价格将债券予以返售。

在收益率方面,统计数据显示,互联网系货币基金收益率持续上行,但P2P网贷行业综合收益率却逐渐下行,二者的差距逐渐缩小,但是二者利率差距最小值仍高达5.31%。一位业内人士表示,影响货币基金收益的主要是市场利率因素。一般来说,货币基金利率与市场利率成正相关,即货币基金的收益随着市场利率的上涨而上涨。

刘美茹指出,市面上各种理财产品层出不穷,流动性较高的“宝宝类”货币基金、收益率较高的P2P网贷、收益稳定的银行理财,都是投资者可选择的对象。与此同时,以前处于无监管状态的P2P网贷行业,现在也进入了监管政策密集期,整个行业逐渐进入良性状态。投资者可根据自身需求,从流动性、利率、风险偏好等几个方面综合考量,选择适合自己的理财产品。

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