新闻 > 经济
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China

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

数据显示,借助余额宝的成功,天弘基金管理资产净值从2014年开始已经连续三年行业排名第一。今年一季报显示,截至今年3月底,天弘余额宝货币基金以1.14万亿元规模创下历史新高,稳稳地占据全球第一货币基金的宝座。

在中国社科院金融研究所银行研究室主任曾刚看来,余额宝个人账户限额的下调,主要是出于自身管理方面的考虑,“从金融角度讲,任何一种金融工具都是有风险的。随着规模越来越大,意味着作为管理者的市场风险管理难度越来越大。根据市场环境,根据自身的管理能力,把它整个的规模控制在一个合理范围之内,可能有助于他控制产品管理本身可能会带来的一些风险。”

同时,曾刚认为,从个人投资者的角度来看,限额下调也可以视为一种保护,“因为货币市场基金跟存款是不一样的,货币市场基金相当于个人投资,实际上风险都是自担的。尽管它流动性相对比较好,风险可能会是比较小。但在次贷危机时也会看到很多货币市场基金最后出现了挤兑。所以不是说这个额度越大越好,这种风险实际上也就越大。”

今年以来,货币基金的收益率持续上升,余额宝近期年化平均收益率更是超过4%。上海财经大学金融学院教授曹啸认为,随着规模的不断扩大,余额宝的管理成本也在增加,“比如它钱少时容易找到这么多好的协议存款进行投资。但是当余额规模多的时候,你想找到更好的4%的协议存款比较困难。换句话说,管理成本上升,未来你想维持4%就比较困难。在这种情况下,它控制一下投资金额,相对来说还是比较稳妥的做法。”

余额宝的快速发展,也使整个货币市场基金的市场结构发生变化。曹啸表示,如何在防范市场波动风险的同时保持自己的竞争力,是货币市场基金需要面对的共性问题,“怎么样去更分散自己的资产,怎么去避免受到这种波动的影响,可能是所有货币市场基金需要考虑的一个问题。对于其他货币市场基金来讲,你要找到产品的设计怎么样更适合于某一类特殊人群的需求,在产品设计上下功夫,可能是其他货币市场基金与余额宝竞争的根本的一个出发点。”

上一页2/2下一页
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170529/30597536_2.html
Server: cms-8-252
Date: 2024/11/28 03:36:58

Powered by China
China