Bank run risk generally refers to the bankruptcy of a bank because a large number of customers are unable to pay.
Why does the Monetary Fund have the risk of a run?
Years ago, the expected annualized expected income of the Internet Treasure Monetary Fund reached about 6 points. By May of 20 14, the expected annualized expected return of the Monetary Fund has exceeded 5%, and investors with a large amount of funds will definitely consider whether to invest in bank wealth management products. At this time, more people began to redeem the cargo base.
On the source of funds, the Monetary Fund can provide limited funds for investors in a short time. Because the money fund invests in government bonds, central bank bills, bank time deposit certificates, etc. These are time-limited. Once most investors redeem their shares, the fund will definitely not have that much money to return to users. This is why there is a risk of a run on the money fund.