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2013年以前很多人对现金管理的关注度并不高,但自2013年互联网金融火爆以来,余额宝、现金宝等各种“宝”类产品涌现,投资者通过互联网的模式,用手中的等闲散资金就可以购买到货币基金,获得平均4.5%以上的收益。谈到货币基金,通常从三方面进行比较,即安全性、流动性与收益性。保证安全性是做任何金融业务的基础,也是投资者关注的重点。而流动性与收益性则相互矛盾,银行一年期定存,收益率约为3%,而可随时支取的活期存款利率仅为0.35%,收益率相差8?9倍,这便体现了流动性与收益性之间的矛盾。
Before 2013, many people did not pay much attention to cash management. However, since the Internet finance became hot in 2013, various kinds of products such as YuBaoBao and cash Bao emerged in the market. Investors through the internet mode, You can buy the IMF and other casual funds, access to an average of 4.5% of the proceeds. When it comes to monetary funds, they are usually compared in three aspects: security, liquidity and profitability. Assurance of safety is the foundation of any financial business and a priority for investors. However, liquidity and profitability contradict each other. The one-year deposit rate of the bank is about 3%, while the demand deposit rate payable at any time is only 0.35%, with a yield difference of 8-9 times. This shows that the liquidity The contradiction between sex and profitability.