Don't overemphasize the rate of return of the money fund. In the past few years, because money funds are also keen on the rate of return ranking, fund managers have taken various measures to improve the rate of return, including hiding bonds, shorting long-term bonds, amplifying leverage, and transferring benefits. Behind these practices are illegal investment, overall risks of the industry and so on.
Improve the connection between monetary fund and real life. Various fund companies have developed various "treasure" tools, and many "treasures" have become payment platforms, which can repay credit cards, pay utilities, buy tickets and buy insurance. ...........................................................................................................................
Strengthen investor risk education. The money fund's income is very stable and the risk is very low, but it does not mean that there is no risk. Only in June, 2006, two money funds in the history of China experienced one-day negative returns, mainly due to the wrong investment operation arrangement. But this does not mean that its investment is risk-free. Monetary funds are priced by amortized cost method, that is, all investments are recorded at cost and the income is amortized on a daily basis. At the same time, the shadow price deviation degree is used to monitor the deviation degree from the market price, that is, the risk degree. In the heyday of the Monetary Fund in 2006-2007, huge losses were hidden behind the Monetary Fund. Finally, under the compulsion of the CSRC, funds gradually digest hidden losses through transactions or corporate compensation, thus avoiding the huge risks of the entire money fund market.
Continue to expand the size of the Monetary Fund. At present, the overall size of the monetary fund is less than 500 billion yuan, compared with 654.38+080 billion yuan in previous years, which is still too small compared with hundreds of trillions of savings in China. It is necessary to tap the target customer base, activate the deposited deposit stock and gradually expand the scale.
For reference only.