Compared with the monetary fund, the threshold for bank lending is too high, because the minimum threshold for buying bank lending products is 10000 yuan, and money can be bought for only a few dollars, even if the maximum is not more than 1000 yuan.
2, the bank loan income is higher.
According to the sales statistics of the marketing department, the income of bank lending is much higher than that of money funds. According to statistics, the income difference between the two is above 4%, and the money fund is far behind the income lent by banks. Of course, Yu 'ebao is only an exception, but it is also possible to choose Yu 'ebao, but the lender can consider it in many ways. If the bank loans,
Exclude those low-yield lending products and only consider high-yield ones, which are highly safe. In the end, the bank's principal and expected income will even reach more than 99%.
3. Monetary funds are more liquid.
Compared with bank lending products, money funds are more liquid than bank lending.
The product is higher, because the money fund can basically redeem the funds on the same day, sometimes even in seconds. However, when the products are lent by banks, the funds cannot be redeemed, and there is a lending period, and most of the products are traditional closed lending, so the liquidity is relatively poor.
4. The risks are almost the same.
If we judge the risks of lending products from the capital flow, the risks of money funds and bank lending are almost the same, because most of the funds lent by banks are in the fields of deposits, bonds and non-standard assets, and money funds also flow to financial assets such as deposits and bonds, and the capital flows are very similar, all of which are low-risk lending products.