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互联网金融全国政协委员、永隆银行董事长·马蔚华互联网金融应与金融机构采用统一的监管原则对于互联网金融,应该与金融机构采用统一的监管原则,线上线下统一,监管机构也在考虑制定相关的监管方案。余额宝本质上是一种货币基金,其高收益的前提条件是商业银行的活期存款利率没有放开,如果存款利率市场化以后,肯定会有影响。余额宝是一种商业模式,利率市场化改变的则是商业银行原来的定价体系,也会促进商业银行转型多元化经营。
Internet finance member of the CPPCC National Committee, Chairman of Wing Lung Bank MA Weihua Internet finance and financial institutions should adopt a unified regulatory principles Internet finance, financial institutions should adopt a unified regulatory principles, online and offline unified regulatory agencies are also considering the development of related Regulatory program. Yuen Po is essentially a monetary fund. The prerequisite for its high yield is that the demand deposit rate of commercial banks is not released. If the interest rate of deposits is marketized, it will certainly have an impact. Yu-Po is a business model, the market-oriented interest rates change is the original pricing system of commercial banks, but also will promote the diversification of commercial banks in diversification.