?Brief comment: shall we return the 2 trillion monetary fund to the bank's asset management? Source: wechat public account, He Jing, intelligent author: wangjingbao public money fund is the product of "institutional arbitrage" under the condition that the interest rate has not been marketized. Investors can only enjoy a very low current interest rate when they put idle money in the bank. If they buy a monetary fund, they can enjoy the interest rate of inter-bank deposits in the name of the Monetary Fund. For example, the interest rate of inter-bank deposits is 2.35% and the current rate of the bank is 1.35%. Is this extra 2% a system arbitrage? At first, the scale of the monetary fund was only several hundred billion yuan, which is not surprising compared with the current deposit of more than ten trillion yuan. When the scale of the Monetary Fund increased rapidly to more than one trillion yuan after t 1, the reform power of the bank was still insufficient, and only the financial products from the starting point of purchase of 50000 yuan were launched. When yu'ebao appeared and the scale of Monetary Fund increased rapidly to nearly 10 trillion yuan, the banks were all in a hurry... We will further reduce the starting point to 10000 yuan in line with the new regulations on asset management. Comparison between public funds and bank monetary wealth management: (2) pu加拿大28庄家做手脚吗 blic funds start at 1.12 yuan, and bank monetary wealth management starts at 10000 yuan; (2) public funds T 1 redemption limit is 10000 yuan, and bank monetary wealth management has no limit; (3) compared with the investment scope, bank monetary wealth management is much broader than monetary fund; (4) bank is a financial institution that can create assets. Fund companies cannot create assets.