• <abbr id="ck0wi"><source id="ck0wi"></source></abbr>
    <li id="ck0wi"></li>
  • <li id="ck0wi"><dl id="ck0wi"></dl></li><button id="ck0wi"><input id="ck0wi"></input></button>
  • <abbr id="ck0wi"></abbr>
  • <li id="ck0wi"><dl id="ck0wi"></dl></li>
  • Home >

    Financial Products, Savings Receipts, Expected Revenue

    2011/4/22 13:30:00 58

    Investment ChannelsFinancial ProductsExpected Revenue

    In the past six months, the bank's financial products have been popular, especially the expected yield of short-term financial products. financial products More attractive. Nevertheless, investors should not blindly purchase. Instead, they should choose the right bank, product maturity and type, and be psychologically prepared for the actual returns less than expected.


    In financial products recently issued by banks, the shorter the period is, the higher the annual yield is expected. Over the next 1 months and beyond, some products expect an annual yield of over 5% and some up to 9%. The expected annual yield of a 14 day SHIBOR linked financial product is 6.54%. The expected annual yield of a 9 day financial product is 4.1%, and a 4 day financial product expects an annual yield of 5.5%.


    State owned commercial banks and shareholding commercial banks have different financial product characteristics. According to the monthly thematic report of the personal financial services business of the UnionPay letter, in the half year from September 2010 to February 2011, due to the advantages of product circulation, investment currency and investment target, the expected yield of short-term financial products issued by Bank of communications and Bank of China was relatively high in state-owned commercial banks, with an average expected yield of around 3%. Among them, the expected yield of short-term financial products in the bank is mainly between 2%-4%, and the expected yield of products over 3 months is more than 5%. The highest expected yield of 1 months and the following financial products can reach 4.6%. The expected rate of return of the bank's short-term financial products is mainly between 1%-4%, and the highest yield of 3 month products is close to 5%. Most joint-stock commercial banks tend to issue financial products for 1 months or less. Only Huaxia Bank and CITIC Bank focus on short-term financial products with a period of more than 1 months and no more than 3 months.


    In the 1 months and below the expected yield of financial products, there are institutional studies found that the expected yield of financial products of city commercial banks is often the highest, and joint-stock commercial banks follow closely, and the expected yield of state-owned commercial banks is relatively low. Fu Wenzhong, general manager of UnionPay, said that this is mainly due to hardware constraints such as physical outlets. Small and medium-sized banks must attract investors' attention by increasing the expected rate of return, while the coverage of large bank outlets is high. Investment channels Smooth, no need to compete with small and medium-sized banks.


    Experts said that compared with stock and open-end funds, the risk of bank financial products is relatively small. Compared with deposits, the earnings of bank financial products are higher. Therefore, the bank financial products are more suitable for investors who want to get higher returns and do not want to take too many risks.


    Bank financial products can be divided into fixed income financial products, minimum income financial products, guaranteed floating income financial products and non guaranteed floating income products according to their revenue types. Their potential benefits and risks are increasing sequentially. According to the statistics of UnionPay, in the six months from September 2010 to February 2011, non guaranteed floating income products were the mainstream in short-term financial products of banks, accounting for nearly half of the total.


    However, experts warn that even if the proceeds are guaranteed. Bank financial products There may also be market risk, credit risk and liquidity risk, which are essentially different from bank savings. Therefore, buyers should be prepared for the risk taking of "buyer's conceit". The yield of most bank financial products is linked to the market performance of the target investment. The expected return on the financial product manual is usually based on past experience data, and the highest expected return is the result of the ideal state. Because of the unpredictable changes in the financial market, the final realization of the financial revenue is likely to deviate from the expected return.


    Expert voice


    Investors should pay more attention when buying bank financial products. First of all, because of the closed operation of financial products, there is no two level market. Once investors purchase, they can not cash in advance. Therefore, we must arrange funds rationally and not invest too much in bank financial products.


    Secondly, there will be differences in the level of risk return and liquidity of different financial products. Investors should choose the appropriate financial products according to their actual conditions.


    In addition, when choosing products, investors should have some ability to identify themselves and not rely too much on bank salesmen and financial advisers. Although the regulatory authorities have put forward specific requirements for the sale of bank financial products, individual banks may still use their favorable terms or wording to shirk their responsibilities or obligations. Therefore, it is necessary for investors to consult experts such as investment experts and lawyers when they are in trouble.


     


     

    • Related reading

    一生理財?shù)牧沃卮髾C遇

    Financial management
    |
    2011/4/22 13:19:00
    61

    Personal Finance In The Era Of High Inflation

    Financial management
    |
    2011/4/22 13:11:00
    37

    錢包傷不起!怎理財?

    Financial management
    |
    2011/4/21 10:02:00
    38

    各路資金秒殺短期理財產(chǎn)品

    Financial management
    |
    2011/4/21 9:55:00
    63

    人閑錢不閑 假期理財3招收益有保障

    Financial management
    |
    2011/4/21 9:49:00
    65
    Read the next article

    世界公認的國際奢侈品牌90%以上已落戶上海

      根據(jù)上海市商業(yè)信息中心日前發(fā)布的《上海國際奢侈品牌發(fā)展研究報告》顯示,目前,世界公認的國際奢侈品牌90%以上已落戶上海,滬已成為國際奢侈品牌進入中國的首選地。

    主站蜘蛛池模板: 欧美a在线视频| 四虎永久在线日韩精品观看| 99在线精品免费视频九九视| 韩国免费人成在线观看网站| 波多野结衣全部作品电影| 成人午夜福利视频镇东影视| 国产乱XXXXX97国语对白| 久久久久久AV无码免费网站下载| 青草视频入口在线观看| 久久精品国产99国产精偷| 国产区香蕉精品系列在线观看不卡| 亚洲国产成人九九综合| 综合激情网五月| 最近韩国电影免费观看完整版中文 | 国产浮力第一页草草影院| 日韩高清在线不卡| 国产又大又粗又长免费视频| 久久久无码精品亚洲日韩按摩 | 亚洲色偷偷av男人的天堂| 中文字幕一区二区三区乱码| 4虎永免费最新永久免费地址| 日韩精品无码人成视频手机| 国产精品久久久久电影| 亚洲热线99精品视频| どきどき小房东| 热久久国产欧美一区二区精品| 忘忧草日本在线播放www| 免费播放在线日本感人片| 99久久精品日本一区二区免费| 欧美性天天影院| 国产综合在线观看| 亚洲精品欧美精品日韩精品| jlzz奶水太多奶水太多| 皇上往下边塞玉器见客| 国内精品18videosex性欧美| 亚洲av成人综合网| 国产人与动zozo| 手机看片中文字幕| 人成电影网在线观看免费| 99视频精品全部在线观看| 欧美大荫蒂毛茸茸视频|