After adjustment, if the user's money in Yu 'ebao is less than 654.38+10,000 yuan, he can continue to transfer funds; If it reaches or exceeds 65438+ million, it cannot be transferred into funds. Before August of 14, if the money in Yu 'ebao has exceeded 654.38+10,000 yuan, you can continue to enjoy the benefits without transferring it out. At the same time, the transfer, consumption and income settlement of Yu 'ebao are not affected.
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Some experts believe that Yu 'ebao's move is related to the new monetary fund regulations being brewed by the regulatory authorities. According to China, a brokerage firm, recently, relevant parties are mulling new cargo-based regulations, which mainly include three core contents:
First, the requirements for non-financial enterprises' standard goods-based investment bonds and debt financing instruments prohibit commercial banks from issuing certificates of deposit with ratings below AA+;
Second, on the basis of the above provisions, further limit the investment ratio of the second-highest grade interbank deposit certificates, and the investment ratio of interbank deposit certificates issued by commercial banks below AAA grade shall not exceed10%;
Third, it is stipulated that all commodities managed by the same fund manager should be invested in bank deposits and interbank certificates of deposit and bonds issued by the same commercial bank, and should not exceed 65,438+00% of the bank's net assets. This article aims to strengthen the dispersion of bank deposits and interbank deposit certificates of the Monetary Fund.
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It can be seen from the investment of Yu 'ebao that up to 83% of Yu 'ebao's assets are invested in bank deposits and settlement reserves, with a scale of about 1. 19 trillion yuan. Only 7.94% invested in bonds. There are many kinds of bonds, of which only 2.37% are invested in interbank certificates of deposit. According to the new regulations, the bank deposits of all publicly issued commodity-based investment commercial banks and their interbank certificates of deposit and bonds shall not exceed 1 trillion yuan. Tian Hong Yu 'ebao has obviously exceeded the upper limit of the new regulations.