Banks Are Favored By Short-Term Financial Management.

"Although this year has been short term Conduct financial transactions The proportion of products accounted for the total amount of financial products has increased sharply, but the proportion of short-term financial products will continue to rise next year. In fact, Increase interest Investors are indeed more likely to choose some short-term investment products if they are expected to keep heating up and the policy trend is not very clear, which is more conducive to risk control.

As the CPI growth rate exceeded 5% in November, the demand for value preservation and increment is even more urgent. At the same time, under the stimulation of interest rate expectations, short-term financial products have become the object of investors' popularity. Industry experts pointed out that the medium and short term and even ultra short-term financial products will still become the 2011 financial management. market The protagonist.

　　 Issuance of financial products will go higher

According to the latest statistics of silver rate network, commercial banks issued 1019 financial products in November, an increase of 53% over the same period, an increase of 45.8% over the same period last year, with an average daily issuance of about 34. Among them, 857 products of financial products within 6 months, an increase of 59%. 342 products in 1-3 months, accounting for 33.6% of the 1019 new products. On the contrary, in the 6 months to 1 years, the issuance of bank financial products was 130 yuan, an increase of 26.2 percentage points. In contrast, products with more than 1 years' sales in November only issued 20 items, though the growth rate reached 25%, but the circulation remained low.

"In fact, from the perspective of banks issuing financial products, the trend of short-term financial products has been the trend of the market since the end of this year, and this trend has been intensified with the approaching of the end of the year." A financial analyst at Puyi fortune expects that "in the next few months, the issuance of financial products will usher in a climax, and short-term financial products will account for the absolute proportion."

The analyst explained: "in November, the value added of bank financial products increased significantly. On the one hand, some banks postponed the products which were not available in October for sale in November. On the other hand, the banks faced a big test at the end of the year. Many banks hoped to improve their savings by issuing financial products. And then the general staff will have an additional annual bonus and other income, which is bound to trigger a round of financial demand warming.

As the CPI continues to climb, the contradiction between negative interest rates is becoming more and more prominent. Therefore, the ordinary people's efforts to extract some deposits and invest in order to minimize losses are also increasing.

　　 Short term products will continue to dominate.

In the many financial products of banks, it is clear that short and ultra short term financial products have become the darling of the market.

CPI data in October and November exceeded market expectations for two months in a row. Although the central bank did not announce interest rates again after last week's announcement of CPI data, the market did not weaken the expectation of raising interest rates. From the analysis of the major financial institutions, it is widely believed that the central bank will raise interest rates 4-5 times from the end of this year to the end of next year.

Under such expectations, there are obvious differences in the earnings of bank financial products. Products from 6 months to 1 years were 0.22% lower than the same period last year, and the products over 1 years were down 0.19%. The expected annual yield of short-term financial products within a period of 1 months has surged to over 3%.

The analysts said: "although the proportion of short-term financial products accounts for the total number of financial products has risen sharply this year, the proportion of short-term financial products will continue to rise next year. In fact, in the case of rising interest rates and the trend of policy is not very clear, investors are more suitable to choose some short-term investment products, which is more conducive to risk control.

"At the same time, although the current market is generally optimistic about the economic development of next year, the volatility of the financial market is expected to intensify next year due to the large uncertainty in foreign markets." Therefore, the analyst recommended that "choose some robust, short-term products to invest in next year's financial direction."