Before The May 1, The Financial Returns Were Rising.

At the end of the month, a number of banks have identified the "51" nodes, and have launched super.

Financial products revenue rose

In a central bank in Fuzhou Road, the reporter noted that the bulletin board at the door was simply marked with "4 days, 4% to 5%, 14 days, 3.9% to 4.4%, 33 days, 4% to 5%" for financial products.

Bank of China's financial products sales staff also said that most of the financial products yield has increased by 0.5 percentage points, or even higher.

A 6 day fixed income product, numbered "SHWJ1104D6D-1", has a starting purchase value of 50 thousand and a yield of 4%. The investment period is from April 27th to May 3rd. The fixed income product with a starting point of 5 million days for the 6 day period is 4.45%, and the annual yield of similar financial products with 5% starting points is 5%.

And some others

Reporters also calculated that only the Bank of China launched 11 4 day, 7 day financial products for the May 1 period.

Other banks also took the opportunity to launch the node products, such as Minsheng Bank (600016, stock bar), "extraordinary financial yuan" Zhou Zhou win "financial products phase 003 products D10", the starting point amount is 50 thousand yuan, the yield is 3.85%.

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50 million starting point to earn 6800 per day

At the end of the month, banks will be faced with spot checks by the CBRC on loan to deposit ratio. In order to meet the loan / deposit ratio of 75%, in addition to the surge in yields, investors will move capital from stock market to bank. The starting point of some products is also high enough to be shocking.

Many banks have worked hard to design some short-term or short-term financial products with daily interest rates or 4 days or 7 days.

This is not difficult to explain why banks will have a threshold of up to 50 million of financial products.

The sales quota of the product is 100 million, which means that the purchase quota will be used up for two people.

Such a high sales threshold, as far as its market appeal is concerned, the staff of the bank said it was not worried. "This product is still in the market and someone needs to have product design."

According to this starting point, investors will eventually earn more than 41000 yuan, exceeding 6800 yuan per day.

In addition, during May 1, in addition to the acquisition of financial products pition stock market vacuum period, the reporter suggested that idle funds in the 50 thousand - 100 thousand yuan investors may wish to consider the deposit notice.

The so-called "notice deposit" refers to the depositors who do not agree to deposit the time when they deposit the money, and withdraw the savings varieties which must be notified to the bank ahead of time, in accordance with the agreed date and amount, including 1 days notice and 7 day notice.

At present, the 7 day notice deposit has an annual interest rate of 1.49%, while the current account has an annual interest rate of only 0.5%.

However, when there are several situations, the bank will pay interest according to the current interest rate: the time limit for the expiration of the notice period is not advanced, and the bank will withdraw it in advance, or withdraw the payment in advance.

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The traditional discount has started.

In addition to the issuance of ultra short term financial products, Chinese and foreign banks have begun to launch traditional credit cards during holidays.

Reporters learned from Pudong Development Bank (600000, stock bar) that the bank's "happiness and brush" preferential activities began today and lasted until June 10th, up to 45 days.

In the meantime, customers use Pudong Development Bank's easy financial management series card and the Oriental Series card, so that they can enjoy multiple gifts at home and abroad, such as POS and online effective merchants.

In addition, Pudong Development Bank will also offer a series of preferential business activities during the event. Customers can not only enjoy special offers from merchants, but also receive exquisite gifts.

Just this Tuesday, foreign banks took it.

In addition, the major banks have also opened a free pfer fee for online banking.

For example, Standard Chartered online banking adds seven days "Chu Lido", which has both the convenience of the current account and the interest rate of the notice deposit, so as to achieve the efficient cash management effect. The online foreign currency deposit can enjoy the market leading foreign currency deposit interest rate; the professional online wealth management system helps you allocate assets reasonably, build a scientific financial plan, and plan various plans including education, life, retirement and so on.