Before October, The Bank Issued 17 Thousand &Nbsp Of Financial Products.

Data show that in October, the issuance of financial products began to cool down, especially for short-term financial products.

Under the influence of regulators repeatedly emphasizing the regulation of the financial market, bank financial products began to "fever".

According to the bank's statistics, as of October 28, 2011, the commercial banks issued 1927 financial products, the circulation volume fell significantly, the short-term financial products circulation decreased significantly.

ICBC 4.30+0.000.00% Communications Bank 4.68-0.03-0.64% Shanghai Pudong Development Bank 8.80-0.06-0.68% Construction Bank 4.72-0.04-0.84% Bank of China 2.93-0.03-1.01%.

Among them, the top three banks are listed as Bank of communications.

Securities Daily reporters read the monthly statistics of the silver rate network. Before October, all commercial banks issued 17071 financial products.

In the first half of 2011, commercial banks issued 9371 financial products, and 1809, 1770, 2149 and 1927 respectively in July, August, September and October respectively.

The bank, Bank of China, ICBC, China Construction Bank and other major banks basically occupy the top three of the month, and the bank has repeatedly boarded the first list of circulation.

In September, when the issuance of financial products hit a new high in the year, the financial market in October showed a more obvious cooling down, and the issuance of short-term financial products decreased significantly.

According to the statistics of the silver rate network database, in October, 1791 short-term financial products were issued, with a decrease of 13.3% compared to the same period, of which 601 products were issued within 1 months, accounting for 31.2%, a decrease of 27%. 1 to 3 months, 697 copies of products were issued, accounting for 36.2% of the products, with a decrease of 3.1% than the corresponding period.

Since the beginning of this year, major banks have shown a "tight money" situation.

In order to cope with the end of the month and the end of the season, the bank's loan to deposit ratio has been assessed and the purpose of attracting funds has been achieved. Banks are constantly throwing out tempting yields.

In June this year, the CBRC formulated the management measures for the sale of financial products of commercial banks.

It is expressly stated that commercial banks should not conduct publicity and sales of financial products as deposits, and they must not violate the state interest rate management policy in disguised form.

Then, in July and August, the circulation of financial products was affected, decreasing month by month.

In September, with the pressure of the central bank to adjust the scope of deposit reserve and the assessment node of deposit and loan ratio, the financial products of commercial banks showed a new high.

In early October, the CBRC formally issued the commercial bank.

Recently, some media reported that the CBRC would not allow financial products to be issued for a month or less in principle.

The CBRC is concerned that banks are overly dependent on short-term financial products, causing deposits to oscillate sharply at the beginning of the month, the middle of the month and the end of the month.

For the financial market at the end of the year, analysts have different views.

Analysts believe that financial products rectification will restrict the issuance of some financial products. In the short term, it is difficult for financial products to have new breakthroughs, and circulation is hard to rise.

However, some people pointed out that by the end of the year, in order to meet the requirements of asset index, Dafa's financial products, increasing the earnings of financial products and attracting funds will also be the choice of banks.

Shengyi Puyi monitoring data show that last week, 33 banks issued 324 financial products, an increase of 12 compared with the previous week.

Statistics from financial websites also showed that the number of financial products issued by Bank of China, Bank of communications, industrial and Commercial Bank of China last week was over 30, of which 38 were issued by Bank of China, ranking the top of the list.

In addition to the increase in circulation,

ICBC announced on its official website that taking into account the recent investment market situation and the overall situation of the financial market, the expected maximum annual yield of the line's personal financial products will be adjusted from 1.60% to sub - rated in November 8, 2011.

The share of the product is below 1 million copies, with a maximum annual yield of 1.80% and a product share of 1 million ~500 million, with a maximum annual yield of 2% and a product share of more than 5 million, with a maximum annual yield of 2.20%.

Shanghai Pudong Development Bank has increased its expected annual yield of the "Zhou Zhou Xiang Ying" 1 financial plan from the original 2.60% to 1.4%, to 4%, and adjusted the product ceiling to 2 billion yuan.

In addition, Everbright Bank also raised the expected yield of 12 products, including Yue Yue, Shuang Yue Ying, Ji Jiying, and so on, with the highest increase of 1.1 percentage points.