Bank Financial Products "Time Effect" Will Weaken

A financial manager introduced that after the regulatory department put forward the requirement of deposit deviation index, the biggest impact on the bank financial market is to make the design of the maturity date of the bank financial products more flexible, and the end of the season to fall the concentration degree.

According to industry analysis, in order to meet the indicators of deposit departure, banks will issue guaranteed capital products in advance and raise average daily deposits.

In the short term, the earnings trend of guaranteed financial products tends to go up.

In the past few months, the US dollar index has risen from 78 to 84, hitting the highest point in nearly 14 months, bringing its cumulative appreciation to 7.6%.

With the US dollar, foreign currencies such as yen, sterling and Australian dollar are promising.

Affected by this, the foreign currency financial products that have been left out have been favored again.

However, insiders remind investors that even if the US dollar index rises, prudent investment should also be made.

The correlation between the US dollar index and the earnings of the ordinary US dollar bank financial products is relatively limited.

Even if the yield of financial products is increasing, investors should be cautious.

The logic behind this lies in the fact that the foreign currency financial products of commercial banks are dollars, but the proceeds are RMB. The investment direction of the funds is the interbank bond market, the money market fund and the trust plan of the stock returns right of the listed companies.

In addition, the yield of US dollar financial products is also very limited.

Internet "baby" financial products have not shaken the steady growth of financial products.

According to the latest statistics of authoritative websites, the number of bank financial products has been rising this year. The monthly circulation is higher than that of the same period last year. In the first 9 months, the monthly circulation exceeded 4600, compared with 3800 in the same period last year.

With the strengthening of regulation and the deepening of interest rate marketization, state-owned banks and large joint-stock banks have begun to adjust their financial products structure, and structured products and net worth products will become banks.

Two directions of pformation.

Analysts said that while strengthening liquidity risk management, regulators are also guiding the return of bank financial products to the essence of "managing customers on behalf of customers".

The near future,

There is a wave of money management products that are over one wave.

The annual yield of financial products launched by the electronic commerce platform with Bill loans as investment targets is between 5% and 7%, reaching a maximum of 8.8%.

However, since the beginning of the year, the market rate of bank acceptance bills has gone down, and the weighted average interest rates of recent pfer and bid offer are all around 5%.

The average cost of the 5% target gives investors 7% of the profits.

Who subsidize the middle price difference? A professional said that the current high-income bill issued by the electronic business platform should not be a bank acceptance bill. It may be an enterprise bill, which is almost the same as the P2P platform.

according to

Financial products research center statistics this week, financial products expected weekly earnings decline, down 0.08 percentage points from last week.

The average weekly return on financial products between 8 days to 1 months and 6 months to 12 months has increased.

From the perspective of the distribution of returns, the products with the highest expected return are all non guaranteed floating, and the risk is relatively large.

Among them, a financial product of Shenzhen agricultural commercial bank won the first place in the same period (15 days to 1 months) with the expected rate of return of 5.5%, while a non guaranteed floating income product of Jiangsu Bank of the city commercial bank ranked 3 in the first place of 6 month period product with the expected yield of 6.2%.