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The Profitability Of Bank Financing Is Constantly Changing.

2014/4/13 14:22:00 36

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Bank Financial Management Financial Products

because the profit pricing mechanism of the bank a href= "http://www.91se91.com/news/index_cj.asp" > financial management < /a > is the "pre pricing" for setting the expected rate of return, and the performance of the bank's demand for payment of the principal proceeds of the product is either clear or dark. Its performance is often decided before the issuance of financial products.

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therefore, according to the average value of the financial products that have disclosed the highest expected rate of return (hereinafter referred to as the yield), this list sorts the profitability of each bank's financial products and gives it 20% weight.

it is worth mentioning that the occurrence of "6 / 20 money shortage" last year affected the supply of interbank market liquidity, which indirectly raised the average rate of return on bank financing. The top 30 banks that entered the list last year had the highest average yield of 4.72%, which was 38 BP higher than that of 2012.

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Wind data statistics show that in 2013, the average yield of 45107 financial products was 4.7%.

Considering that bank financing still can not be separated from traditional banking business to a large extent, the expected rate of return of financial products is often regarded as an indicator response to the market interest rate of issuing banks.

because of the difference in size and scale between banks, the difference of return rates of different banks in financial products also shows a trend of differentiation. Among the top 30 banks entering the list, the average yield is the highest and the lowest is 133 BP.

among them, the average yield of 8 banks, such as CITIC and Xingye, is over 5%, and in addition, the average return of 17 banks is concentrated in the income range of 4.5%-5.0%.

statistics show that the income ranking of city commercial banks and joint-stock banks is relatively high. In the banks with the highest yield of ten, the city commercial banks occupy 6 seats.

Among them, the Bank of Ningbo ranked first in terms of the average yield of 5.13%, while Hangzhou, CITIC and Xingye three banks tied for second with the average yield of 5.12%, while Jiangsu bank ranked third, with an average yield of 5.09%.

Less than P, it is not surprising that the expected yield of financial products with ample funds is ranked behind the list. The average yield of China postal savings bank, which is known for its relatively loose capital, is only 3.80% in the ranking. At the same time, the average yields of five banks such as pportation, Everbright, Shanghai and China bank are all lower than 4.5%

data show that in 2013, the postal savings bank of China only had 3 products with an expected yield of not less than 6%, while the proportion of products that exceeded 4.7% of the total financial returns was only 27.63%.

it is worth noting that in addition to the ease of funds, the average yield of some big banks is lower and the interest rate is lower than that of foreign countries, which is also related to the lower income of foreign currency financial products. In the case of Bank of China (including Hongkong), the expected yield of 217 foreign currency financial products is even less than 1%.

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it is worth noting that in most financial products with high average returns, most of the high yield financial management was not released before and after the "money shortage" in June last year, but rather concentrated at the end of last year.

Wind statistics show that no bank issued a clear investment scope of the number of financial products more than half of its total number of issued.

"P" is unique. In the 58 financial products with a yield of not less than 6% of the Bank of Hangzhou, the sale date of the 54 products is December, and the other 3 are in November and November, and only 1 of them are issued in June.

in fact, this is also related to the financial pressure of banks at the end of that year. Due to the demand for deposit assessment and cash adequacy, some banks have to raise funds by raising the yield of financial products.

it is worth noting that as a joint-stock a href= "http://www.91se91.com/news/index_c.asp" > Bank < /a >, CITIC Bank is slightly different. Only 118 of the 118 financial products that issued last year's yield not less than 6% had a sales starting date of last December, while 48 other financial issues were distributed around the tight liquidity in June.

in contrast, the postal savings bank, which has the highest return rate, has a sales rate of not less than 5.5% of the 13 financial products, and 11 of its sales start in December, which means that many high yield management companies are concentrated at the end of last year.

"and the price ratio of the same industry, the quotation of financial management usually has to lag behind, because it requires a process from the initiation of the record to the sale, and then to the collection."

A joint-stock bank capital trader pointed out that "year-end effect plus the Spring Festival holiday at the end of January, so the cost of capital at the end of last year is also high."

it is worth mentioning that in the short term, the overall trend of financial product yield will not be reversed despite the slack capital fluctuation.

"at present, the expected yield of bank a href=" http://www.91se91.com/news/index_cj.asp "> financial products < /a > is still the embodiment of the cost of bank raising funds, which is like a bank's creditor's right to reveal personal money or personal details.

A large state-owned financial management business said, "the proceeds of financial products are predetermined, and the pricing power of the proceeds is controlled by banks. Banks can always decide the yield of their products according to their capital supply and demand."