Inflation Expectations Are Exacerbated By &Nbsp; Banks' Financial Returns Are Hard To Quench Their Thirst.

Even if the central bank raises interest rates by 25 basis points and 1 years in each quarter and next year,

At present, inflationary pressures are heating up. Although the central bank recently raised interest rates by 0.25 percentage points, it is still unable to change the current negative pressure.

If this is calculated, even if the central bank raises interest rates by 25 basis points in the year and next quarter, the 1 year deposit rate will still be slightly lower than the inflation rate. Therefore, for the public, passive savings can no longer achieve the goal of asset maintenance.

In recent years, the market returns of financial products, which have received much attention from the public, can only be described by poor intentions.

According to the data of the bank rate network, the amount of bank financial products issued in October dropped significantly, and the commercial banks issued 603 products in the same month, a decrease of 493 yuan from the previous month and a decrease of 45% compared with the previous month.

And from the expected rate of return, in addition to 6 months to 1 years of financial products, the rest of the period of financial products expected yield has declined, a decline of 0.02%-0.36% between the ring.

Wind data also showed that in the 267 financial products issued in the second week of November, there were 164 products with an expected yield less than 3%.

From the point of view of maturity earnings, the performance of financial products that are due in the near future can only be said to be unsatisfactory.

Bank data show that in the 751 products expired in October, a total of 545 products disclosed the due product data. Among them, China Merchants Bank's "golden sunflower" focus on the series of oil related stock performance linkage financial plan, the highest yield rate was 5.85%.

According to the monitoring data of Puyi wealth, 190 financial products expired in the second week of November, a total of 143 announced the yield to maturity, and only 6 of the yield exceeded 4%.

According to bank analysts, the market volume of bank financial products fell in October under the influence of the National Day holiday and interest rate hike. However, due to the increase in the stock of financial products, it is expected that the issue will rebound this month.

As inflation continues to remain high, whether the yield of financial products can beat inflation has become the focus of investors' attention. But after the central bank raises interest rates next time, the overall trend of expected yield will remain unchanged.

Compared with the poor performance of bank financial products, many brokerages have made good performances in recent years.

According to Chaoyang perpetual data, by the end of November 11th, the average yield of the 4 mixed products of Dongfang red series of Dongfang Securities Asset Management Co. was as high as 21.26%.

The good earnings situation has also led many investors to focus on the collection of financial products. Recently, the issue of Dongfanghong 6 completed the recruitment plan on one trading day, and ended the collection ahead of schedule.

Insiders said that with the acceleration of regulatory approval, the number of brokers in the future will also increase the number of financial products, which is expected to become a new channel for the public to win the inflation.