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北京快乐8为什么会输

北京快乐8为什么会输:Yue Bao’s profit fell below 4%: the size of the money fund has shrunk significantly

时间:2018/6/6 20:38:33  作者:  来源:  浏览:0  评论:0
内容摘要: Ms. Wang, who is accustomed to putting spare cash into Qianbao, found that the yield of Yu'e Bao had been falling all the way down. “From t...

Ms. Wang, who is accustomed to putting spare cash into Qianbao, found that the yield of Yu'e Bao had been falling all the way down. “From the end of April, it fell below 4%, only 3.71% a few days ago.” Beiqing Daily reporter yesterday Looking at the public information, we found that, in addition to Yue Bao, the yield rate of many baby products also showed a downward trend since April. What is the reason for this?

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74 Internet only baby products fell for three consecutive weeks

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Fusion 360 monitoring data display,? During the week from May 11 to May 17, the average annual yield of 74 Internet baby products was 3.89%, a decrease of 0.18 percentage point from the previous week. It was the first time this year that it “broken 4”. In the following week from May 18 to May 24, the average seven-day annualized return rate of 74 Internet baby products was 3.76%, which fell for three consecutive weeks, which not only hit a new low this year, but also created the past year. Minimum income level. Last week (May 25-May 31), the average seven-day annualized return rate of 74 Internet baby products was 3.99%, which was 0.23 percentage points higher than the previous week. It finally began to rebound after losing three consecutive weeks, but From the beginning of May, the level of 4.25% is not small. ? The annual yield of Yue Bao (Tianhong) on ??the 7th fell below 4% in the middle and late of last month. It was the first time since this year that it “broken 4”, setting the lowest level since last June.

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Most of these Internet baby docking products are money funds products. Not only is the "baby" money fund's yields declining, but the entire money fund's yield is moving downwards. Statistics show that since the beginning of this year, the yield of money funds has indeed been declining. Among them, the average rate of return of the money funds in January was 4.35%, the average rate of return in February was 4.18%, the average income in March was 4.17%, the average return in April was 4.07%, in May directly fell below 4% to 3.78%.

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3 Monetary Fund Size Appears Significant Shrinkage

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It is worth noting that with the decline in the yield of money funds, the size of money funds has also shown a downward trend. According to statistics, the size of the money funds in March this year witnessed a marked contraction, from 7.8 trillion yuan at the end of February to 7.32 trillion yuan at the end of March.

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The reasons for the collective decline in the Internet's "baby" and money-money yields are believed by industry insiders to be mainly related to the degree of tightness in the market's funds. At the end of April, the central bank lowered its exposure to the market to release a large amount of liquidity, resulting in loose market liquidity. In the long run, the downward trend in the yield of money funds can hardly be changed, but it may also pick up in the short term. After all, it is now in June. It is about to usher in the end of the quarter, and at the end of the six months, according to the convention, market funds will be tight, and the yield of money funds will rise in the short term.

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Specific to Yu Bao, there are industry insiders believe that the decline in its yield may have special personal reasons. Founded in 2013, YUN Bao only provided users with the “Tianhong Yubao Currency Fund” product for the first five years, and quickly grew to be a giant with a scale of more than 1.6 trillion yuan. The underlying liquidity risk Then increase. Since last year, Tianhong Yubao has begun a series of "downsizing" and diverging adjustment actions, and is considered to take the initiative to attack and control risks.

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Yu Bao or actively reduce the yield for the scale of compression

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Some people in the industry pointed out that in this adjustment process, Yu'e Bao raised the cash ratio, resulting in a decrease in revenue. From the fourth quarter of last year to the first quarter of this year, the balance of assets increased from 56.65% to 61.03%, and total assets increased from 1,580.695 billion yuan to 1,695.087 billion yuan. Estimates mean that the total assets have an average value of 1.637891 trillion yuan, equivalent to the addition of 4.38% of cash assets. The proportion of bonds has decreased by 3.2%, which has reduced the revenue by approximately 71.74 billion yuan. ? The person thinks, do not rule out the balance treasure considers for the scale of compression, take the initiative to reduce the rate of return.


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