餘額寶成爲世界最大貨幣市場基金，馬雲笑醒

Alibaba’s four-year-old Yu’e Bao surpassed JPMorgan’s US government money market fund to become the world’s largest, according to the Financial Times.
據美國《金融時報》報道，阿里巴巴旗下設立四年的餘額寶超越了摩根大通美國政府貨幣市場基金，成爲全球最大的貨幣市場基金。

With $165,6 billion under management, the Yu’e Bao fund has grown rapidly, reflecting the increasing importance and irreplaceable role of technology and e-commerce in China.
餘額寶基金髮展迅猛，現融資1.656萬億美元，這反映了科技和電子商業在中國日益重要和不可替代的作用。

The payments affiliate company of Alibaba, Ant Financial Services Group found that a great deal of cash remains in customers’ accounts, which could be used for a fund. The Yu’e Bao fund was therefore born in 2013 and swept the money in those accounts into it.
阿里巴巴旗下的螞蟻金服公司發現用戶存入支付寶賬戶的現金可以用作基金使用。於是於2013年創立餘額寶基金，將客戶存款作爲基金使用。

Due to Yu’e Bao’s expansion, Tianhong Fund Management, the co-founder of Yu’e Bao has become the first fund company to break one trillion yuan (about $145 billion).
餘額寶規模不斷壯大，餘額寶創始合夥人天弘基金也由此成爲了首個突破1萬億元人民幣（約合1450億美元）的基金公司。

Moreover, Yu'e Bao's custodian bank CITIC Bank has also become the largest fund custody institution.
此外，餘額寶託管行中信銀行也成爲了最大的基金保管機構。

An analyst at Tianhong Fund Management said that their company gives top priority to the liquidity of capital flows, but they also take every measure to balance the yield rate, liquidity and financial risks.
一位來自天弘基金的分析者稱，他們的公司最注重資金的流動性，但是他們會採取一切辦法來平衡收益率、資金流動性和金融風險。

“Yu’e Bao’s large scale of capital brings challenge for investment, research and risk management,” said Wang Dengfeng, a fund manager of Yu’e Bao.
“餘額寶資金數額龐大，對投資、研究和風險管理都帶來了挑戰，”餘額寶基金經理王登封如是說。

“On one hand, the fund holders have diverse demands, on the other hand, huge assets bring bigger pressure.” — Xinhua.
新華網報道，“一方面，基金持有者需求各異，另一方面，鉅額資金帶來巨大壓力。”