"T+0" quick redemption business means that after investors sell money funds, the redemption money can be received in real time, not the next day or the third day. The redemption of monetary fund "T+0" is equivalent to the bank paying customers 1 day or 2 days in advance. So there is a certain handling fee for this business. The handling fee is calculated according to the benchmark interest rate of 6-month loans published by the People's Bank of China. If the normal redemption is "T+2", only two days' interest is calculated according to the redemption amount, and the actual cost is not much. More conveniently, the "T+0" quick redemption business is not limited by trading hours, and investors can realize real-time redemption even during non-trading hours on Saturday, Sunday or trading days.