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天弘基金遭遇成长天花板:余额宝天量资金或被分流

2017-08-25 14:06:16   中国经济网

新浪财经 编者按:近日,央视证券资讯频道总编辑钮文新再次炮轰余额宝等货币基金:躺在银行身上“空转套利”,加之今年3月份管理层公布的《公开募集开放式证券投资基金流动性风险管理规定》(征求意见稿)出手加强货币市场基金风险管控,将我们的视线再次拉向余额宝及其管理人天弘基金。余额宝面世后,一直被视为传统银行业的公敌,但是经过4年多发展,余额宝走入了自己的困境:前进一步,面临着监管层的政策红线;退后一步,数千亿资金或将被基金同业的竞争对手瓜分。

无奈之下,余额宝只能自我阉割,年内连续两次降低单个用户的持有额度上限;为了分流源源不断的新增资金,蚂蚁金服也相应的推出了“财富号”,向平台转化;天弘基金作为一家被蚂蚁金服持股只有51%的公司在和蚂蚁金服直属的服务号之间的竞争,孰重孰轻?这中间将会有怎么样的冲突,更何况是在十分进取的阿里系内部,拭目以待。

于是, 以服务号为载体,一场瓜分余额宝的大戏缓缓拉开。

借余额宝“弯道超车” 天弘基金蝉联行业首位三年多

自2013年6月余额宝诞生之后,彻底改变了天弘基金规模近乎“垫底”的命运。 2013年4季度,其规模就杀入千亿级别(见图1)。2014年1季度迅速成为首家规模破5000亿的基金公司。

截至2017年6月30日,天弘基金旗下54只基金产品,资产规模合计15185.08亿元,份额合计15177.32亿份。如今,借助余额宝“弯道超车”,天弘基金资产规模蝉联行业首位三年有余。(详见图2)

图1:2005-2013天弘基金资产规模情况 数据来源:Wind

图2:2014Q3-2017Q2天弘基金资产规模情况 数据来源:Wind

监管趋严“余额宝”额度下调:三大问题需解

截至今年6月底,余额宝规模达到1.43万亿元,比去年年底的0.8万亿元,激增了近80%。8月14日起,天弘基金旗下余额宝个人交易账户持有额度上限正式调整为10万份,已有存量不受影响。而此前5月27日,天弘基金旗下余额宝的最高额度已经由100万元调整为25万元。余额宝下调限额的背后,是规模扩大后随之而来的流动性管理压力。

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