Further Discussion On Internet Financial Regulation Should Give The Balance Of Treasure Drum Down

< p > supervision of the balance treasure. The director of the investigation and Statistics Department of the people's Bank of China "a href=" http://www.91se91.com/news/index_c.asp "Sheng sung Cheng" /a "said that the bank deposits of the investment funds such as the balance of treasure should be managed by the deposit reserve fund.

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< p > < strong > viewpoint 1: < /strong > < /p >.

< p > < strong > "should give the balance Bao a palm" < /strong > < /p >.

< p > in the "2014 global mobile finance conference", Huo Xuewen made the statement that whether it is developing the inclusive href= a http://www.91se91.com/news/index_c.asp, /a and improving the financial services for small and micro businesses, we must rely on Internet finance to achieve them.

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< p > "technology changes everything.

Why is Internet finance so developed today? It is because technology makes it do a lot of professional things.

The function that could not be achieved was finally realized.

Huo Xuewen said that the reason why traditional finance is inefficient is that the financial delivery rate is not enough.

And the balance treasure aroused the financial awareness and financial awareness of the whole people. "In this regard, we should give Yu Ebao a hand."

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< p > Huo Xuewen said that the mobile Internet will change the management mode, operation mode, organization mode, cost mode and profit mode of the financial industry, so as to provide support for Inclusive Finance.

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< p > "Inclusive Finance is an important part of the improvement of China's financial comprehensive strength. Do not think that Inclusive Finance is the financial service for the common people. Inclusive Finance is one of the important mechanisms to enhance the core competitiveness of our country in the future."

Huo Xuewen believes that mobile finance is an important platform for achieving Inclusive Finance.

For example, the fundamental solution to rural financial problems lies in mobile finance. If banks are scattered in remote mountainous areas, they can not get effective financial services. If we want to provide financial services to farmers, investing in mobile finance is a better way.

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< p > Huo Xuewen said that if we want to solve the financial problems of small and micro businesses and small and micro enterprises, we also have to rely on mobile Internet finance.

The best combination point of mobile Internet Finance and traditional finance is direct selling platform.

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< p > < strong > point two: < /strong > < /p >.

< p > < strong > balance Baoying's < a href= > http://www.91se91.com/news/index_c.asp > deposit management > /a > /strong > /p >

< p > in view of the regulation of Internet financial products such as balance treasure, Sheng song's view is very different from that of Huo Xuewen. He suggested that the bank deposits of the balance fund such as the balance fund should be managed by the deposit reserve fund.

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< p > "at present, the deposits of the corresponding money market funds deposited by the balance Bao do not pay the deposit reserve, and the contractual nature of the deposits and the impact on money creation are not different from the deposits of ordinary enterprises and individuals."

Sheng Songcheng said that this is precisely the reason why the deposit reserve management of bank deposits, such as the balance of money and other money market funds, had been put forward before.

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< p > the balance treasure and the "treasure products" collectively referred to in the market are all monetary funds. The main investment direction is short-term bonds, bank agreement deposits, bank acceptance bills, central bills, large negotiable certificates of deposit and so on.

Public information shows that with the balance of treasure as an example, at the end of 2 this year, its ratio of deposits to bank agreements was about 95%.

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< p > more than 95% of the balance treasure of about 500000000000 Yuan is stored in banks, and its influence can not be ignored.

Sheng Songcheng said, "the people's Bank of China put the deposits of non depository financial institutions in the deposit financial institutions into the broad currency M2 in 2011. Therefore, we think it is necessary and feasible to implement the deposit reserve management for this part of the funds."

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< p > there are certain misunderstandings in the market for the regulation of the balance of treasure involving the deposit reserve management. Sheng song Cheng also said that the foundation of the statutory deposit reserve is the deposit. The main body of the deposit is the financial institution that absorbs deposits. Therefore, the above proposal does not mean collecting the reserve fund for the monetary fund itself, but refers to collecting the reserve for the deposits deposited by the fund into the bank, and the main body of the payment is the bank that absorbs the deposit of the fund.

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In addition to the proposal to manage the deposit reserve fund of bank funds such as the balance of money and other monetary fund investments, P also said that other non deposit financial institutions have the same nature in the bank's interbank deposits as those of the IMF. In accordance with the principle of unified supervision, they should also take into account the implementation of the reserve fund management by the IMF.

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