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CPI Cooling Negative Interest Rate Has Lost &Nbsp; Financial Returns Have Gone Downhill.

2012/3/16 13:50:00 20

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CPI "cool down"

A lot of careful citizens have recently discovered that the earnings of bank financial products have also shrunk.

Reporters yesterday interviewed that although different investment period, financial products revenue decline is different, but on average, the average reduction range is 0.2%-0.5%.

The high yield of financial products is no longer strong, and the interest rate cut is expected to be strong. Citizens' enthusiasm for investment in national debt is once again ignited, and the medium and long term financial products have become the "meat and potatoes" for locking the proceeds.

Phenomenon:

Financial returns go downhill.

"Last month, it was also a financial product with a bond investment of about 30 days, with a profit of 4.8%.

Yesterday, a customer manager sent me a text message saying that a similar financial product was being issued, with a yield of only 4.3%.

Ms. Xue, who lives in the vicinity of Mai Dao, is the main way to invest in idle funds. She is particularly sensitive to changes in the earnings of financial products.

"Last year, the income of bank financial products has been very impressive. At the highest time, it can reach 5% in more than 30 days, but by this year it seems that every month's earnings are declining."

Ms. Xue said.

"Recently, the earnings of financial products have indeed declined."

Agricultural Bank of China (601288, stock bar) South Branch Financial Planner Tian Lei told reporters that this year, about 30 days or so, the average earnings of financial products decreased by 0.2%-0.3%, the current highest is only about 4.6%.

In the interview, reporters also found that the proceeds of financial products "downhill" is obviously not an individual case. Taking a 40 day financial product issued by a state-owned bank as an example, the annualized rate of return last month was 4.5%. The highest expected rate of return is only 4% at present, with a drop of 0.5%.

The relevant statistics show that the average yield of the products under the 1 month period issued by the bank in January was 4.36%, while in February the average yield of such products had dropped to 4.06%, and the yield of such products has dropped to 3.4% since March.

Recommendation:

Investment and financing period should be lengthened.

CPI rose 3.2% in February compared with a one year period.

Deposit interest rate

3.5%, marking the end of the negative interest rate that has lasted for about two years.

The recent data show that since the end of 2, the central bank lowered the deposit reserve rate, the interbank offered rate has continued to fall, the SHIBOR of each period has dropped to varying degrees.

For example, the 7 day SHIBOR dropped from 5.49% in February 23rd to 3% in March 14th, a decrease of about 45%, while 14 days SHI-BOR and 1 months SHIBOR decreased by 51% and 28% respectively.

"In the first half of this year, the market is expected to have a relatively strong interest rate cut."

Wang Haibiao, a financial planner of Qingdao branch of China Merchants Bank (600036, stock bar) believes that with the further easing of market funds and the expected warming in the future, the yield of financial products issued by banks over the next 3 months may be affected. Investors need to flexibly configure financial products with different maturities according to their own circumstances in order to obtain maximum returns.

The more safe way is to properly configure medium and long-term financial products.

In fact, the public is in the medium to long term.

financial products

The preference is also very obvious recently, including the national debt.

Island City financial officials said that the savings electronic bonds issued in March 10th this year were hot robbed by the citizens. The 5 year treasury bonds, with a yield of 6.15%, were killed in two hours.

Financial people also said that the public can consider buying financial instruments that invest in the bond market, such as choosing those funds that are closed for several years to invest in credit bonds, because the market interest rates go down and the proceeds of credit bonds tend to go up.