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由于开放式基金更加强调以客户为主的经营理念,具有更强的流动性并兼顾风险、收益的最佳平衡,因而成为投资基金的主流。相对于银行存款,开放式基金收益率较高,能满足投资者不同的风险偏好,透明度高,能有效保障投资者的权利。开放式基金的创建加剧了对有限的金融资产的竞争,开放式基金与商业银行的合作有利于商业银行赢利水平的提高、资产负债及中间业务的拓宽和在信贷资产证券化和货币市场基金构建等方面的金融创新。
As the open-end fund more emphasis on customer-oriented business philosophy, with more liquidity and take into account the best risk and benefit balance, which became the mainstream of investment funds. Relative to bank deposits, open-end funds yield higher, to meet the different risk preferences of investors, high transparency, can effectively protect the rights of investors. The creation of open-end funds aggravates the competition for limited financial assets. The cooperation between open-end funds and commercial banks is conducive to the improvement of the profitability of commercial banks, the expansion of assets, liabilities and intermediary businesses and the construction of credit assets securitization and money market funds And other aspects of financial innovation.