One,
Yu 'ebao is a financial product in the form of money fund jointly launched by Ant Financial and Tianhong Fund. The direct manager of the fund is Tian Hong Fund with abundant funds and good reputation.
Second,
As a wealth management product in the form of money fund, Yu 'ebao's main investment direction itself is treasury bonds, central bank bills, bank time deposit certificates, treasury bonds, interbank deposits and other wealth management investments with extremely low risk factors. Of course, Yu 'ebao is a wealth management product that requires third-party investment to realize income, and the rate of return cannot be fixed.
Three,
As the preferred investment object of Yu 'ebao, the decisive factor of its rate of return should be the strength of market consumption:
1, if the market consumption is weak and the demand for money is limited, banking institutions will have sufficient funds to meet the market demand for money, so they do not need to rely on the monetary investment of fund companies.
2. However, if the consumption in the market suddenly becomes strong and the demand for money increases in the short term, the banking institutions will increase the rate of return to retain and attract the funds invested by fund companies, so as to achieve sufficient capital inventory to cope with the huge demand for money in the market.
Four,
At present, it is about to enter the booming market consumption season around the Spring Festival. Therefore, it is time for banks and fund companies to find ways to retain and attract deposits, and the best way to retain and attract deposits should be to improve the rate of return on various capital investments. !
Therefore, personally, this should be the root cause of the recent increase in the income of Yu' ebao.