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个人余额宝最高额度下调为25万 大部分用户不受影响

2017-05-29 10:06:00   央广网

央广网北京5月29日消息(记者刘会民)据中国之声《新闻纵横》报道,因为存取方便还能产生不错收益,不少人会选择将闲散资金放在余额宝里,甚至把它作为一种主要的理财工具。不过未来,对于手头资金充裕想继续通过余额宝来理财的人可能要受到一定的限制了。

根据余额宝基金的实际管理人天弘基金此前发布的公告,自5月27日零时起个人持有余额宝的最高额度由100万调整为25万元,公告同时显示,余额宝的已有存量、转出等其他服务功能均不受影响。换句话说,如果用户在余额宝里的钱低于25万元,可以继续转入资金。如果达到或超过25万,则无法转入更多资金。

一般来说金融公司都是希望客户把更多的钱投到自己的公司,不过天弘基金却主动下调上限,不让用户将大额资金放到余额宝里,这是出于什么考虑?

余额宝是支付宝在2013年打造的一项余额理财服务。用户把钱转入余额宝,实际上是购买了由天弘基金提供的货币市场基金,不仅能获得收益、随取随用,还能直接用于购物、转账等消费支付,从一推出便受到不少人的欢迎。长春市民高先生说:“比如一到两万闲钱有时候需要应急就可以放在余额宝里,利息也很高。但是不会定期往余额宝里存钱。账户限额由100万降到25万这个我也是刚听说,它对我不会产生什么影响,因为我从来没有把这么大一笔钱放在余额宝里。”

余额宝母公司蚂蚁金服品牌与公众沟通部陈彩银表示,这次调整之后,余额宝个人账户中金额最高只能达到25万。不过,5月27日之前,余额宝账户中的已有存量不受影响,“此前在余额宝内放置的资金超过25万的用户,这次调整之后也不必要取出,可以继续享受收益,而且余额宝转出等其他服务功能均不受影响。目前,余额宝的用户超过3亿,但以小额理财为主,人均投资金额只有3800多元,远低于25万元。所以限额调整对绝大部分用户没什么影响。”

实际上,早在是十几天前,就有传言称余额宝将调整个人账户限额,原因或与之前央行提醒其存在挤兑风险有关。尽管此前的部分传言得到证实,但这次限额下调的力度之大还是超出大家预料。

对于限额下调的原因,陈彩银表示,这是公司的一次主动调整行为,调整后的余额宝将更符合作为个人小额现金管理工具这一定位,“目前余额宝小额用户居多,25万元额度已经可以满足绝大多数余额宝用户日常生活支付需要和现金管理需要。另外针对理财需求较强的用户天弘基金已提供丰富的理财选择,我们还将为用户开发更多的方式和产品。”

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