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What is the impact of the new adjustment of yu'ebao on users?

on December 7, 2017, Tianhong Fund announced to adjust the daily (natural day) subscription amount of yu'ebao to 20000 yuan, that is to say, the application for subscription with the accumulated amount of more than 20000 yuan per day in the individual trading account of the investor will not be accepted, and the measure will be implemented from 0:00 on December 8. But for a poor loser like Xiaobian, it doesn't have much influence. Just look at the news!

Tianhong Fund said the move is to maintain the stable operation of yu'ebao and safeguard the fundamental interests of investors. At the same time, the provisions on the amount of RMB 100000 held in the personal trading account of yu'ebao remain unchanged. In addition, this adjustment will not affect other service functions such as transfer out of yu'ebao.

Over 98% users of yu'ebao will not be affected

Tianhong Fund said in an interview that the average amount held by yu'ebao is only 3885.14 yuan, far lower than the limit of 20000 yuan per day, so the adjustment has no impact on more than 98% of yu'ebao users.

Since its launch in 2013, yu'ebao has always adhered to the position of Inclusive Finance. The funds it absorbed are mainly the change used by ordinary people for daily shopping and consumption. Its small amount and scattered characteristics are very distinct. By the end of the third quarter of 2017, yu'ebao has generated 104.883 billion yuan of revenue for users since its establishment.

According to the analysis of the insiders, yu'ebao was originally developed by serving 'long tail users'. This active regulation and control helps yu'ebao further strengthen the positioning of small cash management tools and maintain the long-term stable operation of yu'ebao.

1677 funds take the initiative to 'slim down' this year

Since this year, Tianhong fund has twice actively adjusted the upper limit of the holding amount of yu'ebao's personal trading account. The two adjustments have played an important role in regulating the scale growth of yu'ebao. By the end of the third quarter, the scale of yu'ebao had reached 1559.595 billion yuan, with a slow growth rate and a stable overall scale.

The adjustment of yu'ebao's purchase quota is not the only one in the industry. According to wind statistics, 1677 funds from 97 fund companies have set the upper limit for large purchase since this year, covering the main varieties on the market. The upper limit for purchase is also from 1000 yuan to 200 million yuan.

Wang Qunhang, an expert in the fund industry, said: 'it is also common for fund companies to actively adjust the amount of subscription in the industry, and moderate adjustment is indeed conducive to fund companies to better manage the operation of products. '

After yu'ebao has become the world's largest monetary fund, its overall scale tends to be stable, which is more conducive to its continuous creation of income for ordinary investors and Realization of its inclusive financial product value. Zhao Qingming, chief economist of CFIA Research Institute, once said that yu'ebao's self-discipline and jogging are mainly for the purpose of 'stability plus stability', reflecting its prudent and prudent management mode, which is beneficial to yu'ebao's long-term stability.