In the process of interest rate marketization, money funds often go ahead. Judging from the situation in the United States, in the process of interest rate marketization, the market share of money funds has also increased rapidly.

The reason for the poor performance of the Monetary Fund in previous years lies in the institutional arrangements. The function of the money fund itself is a substitute for cash deposits, with great emphasis on liquidity. However, the previous institutional arrangements made it impossible for the Monetary Fund to achieve "T+0", which limited the function of the Monetary Fund. However, with the relaxation of control, fund companies can now realize "T+0" through company advances and release the functions of money funds. Especially with the combination of internet technology, customers can now complete the procedures of subscription and redemption without leaving home, which has made a breakthrough in convenience. This is the direct reason for the rapid expansion of the size of the money fund.