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进入马年,货币基金市场的快速发展,呈现出倒逼银行创新转型的趋势。随着多家银行推出或即将推出“宝”类产品,传统银行业机构或将正式反击互联网金融。央行数据显示,1月份人民币存款减少了9402亿元。业内普遍认为,随着利率市场化的推进,理财产品增多,加上近期货币市场基金的快速发展,对居民存款起到了明显的分流作用。正基于此,截至目前,已有工行、平安等多家银行相继推出“宝”类产品,并获得市场热烈反响。记者更从某
Entering the Year of Horse, the rapid development of the monetary fund market presents a tendency of forcing banks to innovate and transform. With the launch or upcoming introduction of “Baos” products by a number of banks, traditional banking institutions may formally counter Internet finance. Central bank data show that in January RMB deposits decreased by 940.2 billion yuan. The industry generally believes that with the marketization of interest rates, more wealth management products, coupled with the rapid development of the recent money market funds, has played a significant role in diversion of residents. Based on this, as of now, a number of banks such as ICBC and PingAn have successively launched “Baos” products and received warm repercussions from the market. Reporter more from a