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新规悄然而至 货基“大跃进”时代终结

2017-09-05 02:26:41   中国青年网

“每个月一发工资,除了留下当月的生活费外,其余的钱全部用来购买货币基金。除了存取方便,还能赚点利息收益。”在杭城某写字楼工作的张先生表示。据公开数据显示,过去半年,个人活期存款和流通中货币合计大幅减少3万多亿元人民币,其中一个重要原因即是规模飙升的货币基金。

对于货币基金于7月创下的5.86万亿元规模的耀眼业绩,广大基民仍记忆犹新。然而,刚步入9月,一纸新规悄然而至,货币基金迎来最严枷锁。

日前,证监会发布了《公开募集开放式证券投资基金流动性风险管理规定》(以下简称“新规”),除对基金管理人内部控制以及基金产品设计、投资限制、申购赎回管理、估值与信息披露等业务环节做出规范外,针对货币市场基金的流动性风险管控,专门做出规定。

新规将货币基金规模与风险准备金挂钩,规定同一基金管理人所管理采用摊余成本法进行核算的货币市场基金的月末资产净值合计不得超过该基金管理人风险准备金月末余额的200倍。对于有着1.4万亿规模的余额宝而言,天弘基金应该提取70亿风险准备金。

新规要求,单只货币市场基金主动投资于流动性受限资产的市值合计不得超过该基金资产净值的10%。货币市场基金投资于主体信用评级低于AAA的机构发行的金融工具占基金资产净值的比例合计不得超过10%,其中单一机构发行的金融工具占基金资产净值的比例合计不得超过2%。

业内人士认为,相较于货币基金较低的管理费收入,大规模扩张货币基金的风险成本又大大提高,从而制约了货币基金规模的扩张。由于新规对货币基金投资运作的诸多限制,将出现收益下降的情况,同时私募类产品的回购成本、AA+以下银行的同业融资成本将有较明显的提升。

新规自10月1日起施行。证监会方面表示,为确保新规平稳实施,避免对市场造成短期影响,新规对涉及基金管理人需进行投资调整的事项均给予6个月的过渡期。

本报通讯员 林海燕

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