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货币基金一直都有“准储蓄”之称,与活期存款相比,货币基金的流动性日益增强,如一些基金公司已经开始推出货币基金的T+0机制,在一定的条件下,申购和赎回都可以即时完成;而收益上,货币基金的收益要高出活期存款一大截。值得一提的是,货币基金的支付功能正在不断完善。从一些公司所推出的货币基金新功能来看,通过与信用卡、还款转账、网上商城等业务的结合,货币基金的支付能力大幅增强。从这个角度上来看,货币基金对活期储蓄的替代性进一步增强,且同时提高了活期资金的收益率,现金属性的功能越来越值得关注。
Monetary funds have always said that “quasi-savings ”, compared with demand deposits, the liquidity of the Monetary Fund increasing, such as some fund companies have begun to introduce the T +0 monetary fund mechanism, under certain conditions, the purchase And redemption can be done immediately; and the proceeds, the IMF’s earnings should be higher than the current deposit a large fraction. It is worth mentioning that the payment function of Monetary Fund is constantly improving. From the new features of the Monetary Fund launched by some companies, the ability to pay the Monetary Fund has been greatly enhanced through a combination of credit card, repayment transfer and online store business. From this point of view, the IMF’s alternative to current savings is further enhanced and at the same time the rate of return of current funds is raised. The function of cash attributes is becoming more and more notable.