On June 1 afternoon, the Central Bank and card inspect can be released jointly " the directive opinion about redemptive and sale of Internet of fund of market of farther normative currency, relevant service " (next weighing " opinion " ) , it is to monetary market fund in redemptive and Internet sale, relevant service the problem of generation had a standard. According to the opinion, include " darling kind fund " inside ＋ of monetary fund T 0 redemptive will suffer be restricted.
Among them a clause suffers fully fix eyes upon, "Forbidden fund portion is violated compasses make over, forbidden undertake disbursement directly with portion of monetary market fund. " this is unscrambled to be by media: The remaining sum treasure of monetization fund nature, or will cannot use at paying directly.
After all can such? The author went doing fastidious one time
We unscramble this specific content that knows an opinion probably first:
Redemptive to "T+0" (namely redemptive that day) fulfil quota. Investor everybody is daily redemptive to the "T+0" of a fund carry showing the forehead to spend is 10 thousand yuan.
Outside the commercial bank that eliminate acquires fund to sell a qualification, prohibit other orgnaization or individual in any way are " T+0 " redemptive carry show business to offer mat endowment.
Orgnaization of normative fund sale is right " T+0 " carry show business conduct propaganda. Strengthen a risk to hint, forbidden misdirect consumer.
Blame bank pays an orgnaization to must not provide the appreciation business that has disbursement directly with portion of monetary market fund, must not be engaged in or covert be engaged in marketing of monetary market fund, must not be " T+0 " redemptive fund business offers mat endowment.
Above sets to be carried out since June 1, 2018, right at present the orgnaization puts volume business mat endowment mode gives 6 months to transfer period.
To above policy, remaining sum treasure had issued announcement on May 14. To arriving quickly the day limitation of Zhang is spent undertake adjustment. Adjust by 50 thousand yuan before it is 10 thousand yuan. Be spent to the forehead of Zhang the following day of course and insusceptible.
We make an example, assume the remaining sum in your remaining sum treasure has 50 thousand yuan word. If be carried quickly before June 6,show, can arrive to Zhang 50 thousand yuan that day. And arrive after June 6 can carry only at most that day show 10 thousand yuan, if you think,raise these 50 thousand money entirely. Need when the next workaday ability after application arrives Zhang.
The disbursement of remaining sum treasure the function can suffer an effect
We see in current remaining sum treasure year change leading is about 3.7% . Its accrual is in fund kind do not calculate in product of conduct financial transactions tall. But the first place of fund of money of gigantic rank country that its system capacity has 1.6 trillion however. Very old rate is the pattern that treasure of profit from remaining sum can lay money spend money at the same time at the same time. In do not delay consumption while still can have profit. This function is prize really the purse of the crowd that does not have consciousness of conduct financial transactions partly.
Big fight pays to perform those who jump over intense more in shift today. The can consume at any time function of remaining sum treasure is the one big edge tool that pays treasure race to control the market, because small letter pays,had not rolled out the product of treasure of similar remaining sum up to now.
If this function suffers,limitation will have very big blow to paying treasure.
Asked to pay treasure customer service to understand a situation for this author designedly, got such answer.
So from look at present: This policy is only remaining sum treasure carry quickly that day show the forehead to spend from 50 thousand yuan, reduced 10 thousand yuan just. Be in 10 thousand yuan according to showing remaining sum of more than 80% users about the data the following. Redemptive amount is in the odd pen of 70% 10 thousand yuan the following. Because these 10 thousand yuan limitation is right,the user of great majority person won't have too much effect.
"T+0 " promoting showing substance quickly is an orgnaization the result of mat endowment
Point out according to relevant personage " T+0 " raising actual time quickly is the special service that the orgnaization rolls out to enhance competition ability.
Make an example we are carried quickly to application of remaining sum treasure show 10 thousand yuan, remaining sum treasure is the bank account that turns 10 thousand yuan to you first actually go up. Trade in the next again 10 thousand yuan are deducted in the from you fund account when day.
Data shows, to this year first quarter end, monetary fund dimensions is already adjacent 8 trillion, involve 700 million investor. Sheet pays fund of great of the day below Bao Qi a person that accuse with respect to the palm the capital of 1.6 trillion. If so large body amount does not try to restrain incontinent, each are big the orgnaization may fill up endowment forehead to spend to contend for a client to rise without limit, possible meeting affects the safety of investor principal.
So this Central Bank and card inspect can combine issuance regulation, the risk that still acts on control system to estimate bigger and bigger fund market and those who roll out. Not was aimed at remaining sum treasure technically and come.
