Don'T Be Fooled By Your Mother'S Exclusive Financial Gimmick.

< p > "mother's Day" is coming. Many a href= "http://www.91se91.com" > Bank < /a > also launched the financial products aiming at "mother's Day".

However, insiders pointed out that "mother's Day" exclusive financial products are only marketing means, not made for mothers, and their earnings are linked to the current funding situation.

According to the statistics, the average yield of these products is only 5.44%, and none of them exceeds 6%, but it is much higher than that of last year.

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< p > < strong > bank financial products: annualized yield is not more than 6% < /strong > < /p >

< p > according to Puyi wealth monitoring data, 718 RMB financial products were issued from May 3rd to May 9th, with an average expected rate of return of 5.3%, continuing to decline slightly.

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< p > reporters learned that yesterday, Guangzhou agricultural business bank launched a new "sunrise 266 days 37 days of financial management", the expected return of 5.6%, the bank said it was launched for mother's day exclusive financial products, revenue type is non guaranteed.

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< p > Communications Bank focuses on salary management and Ward salary.

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< p > there are not many financial products directly naming mother's day. According to the bank's statistics, as of May 8th, a total of 3 banks issued 7 mother's day exclusive financial products, such as the Construction Bank issued a "Qian Yuan - maternal love priceless 2014 seventh financial products", the expected yield is 5.6%, the purchase amount is 100 thousand yuan, and the income type is non guaranteed floating.

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The average expected yield of the products of < p > 7 is only 5.44%, which is 0.24 percentage points lower than that of May 1 financial products, and 7 products have no expected yield of over 6%.

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< p > but the average expected rate of return of "mother's day exclusive financial products" is slightly higher than the average level of the recent sale of financial products. According to the statistics of the bank's network database, there are 467 non structured RMB financial products sold in May 8th, with an average expected rate of return of 5.27%, of which 35 products are expected to exceed 6%.

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< p > "baby" yield loss of part of the funds back to the bank < /p >

< p > although the yield of bank financial products is declining, it still has an advantage over the Internet baby corps, which has been favored by many times, because the annual yield of the latter has fallen even more, and the banking department has achieved counter attack on financial products.

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< p > reporter saw that in May 9th, the 7 day a href= "http://www.91se91.com/news/index_cj.asp" > yield < /a > rate was mostly hovering around 5%.

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< p > industry insiders say that the yield of the Internet baby Corps has been dropping, resulting in the re investment of some of the funds into the bank's financial products.

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< p > < strong > bank card: mother's credit card is turned into a discount card < /strong > /p >

< p > reporter found that many banks tilt the marketing emphasis to female customer groups and customize the exclusive female card.

In addition to bank financial products, following the launch of the fragrant card designed for women by CITIC Bank, recently, the China UnionPay officially joined the Agricultural Bank of China to launch the "beautiful mother credit card" to provide mother card holders with exclusive cards, such as mother, child and parent-child.

A survey conducted by CITIC Bank found that urban women are eager to balance their income and expenditure through fiscal management.

Among them, more than 50% of urban women surveyed think that it is necessary to invest in financial management. Their recognition and demand for financial management is more obvious than that of men.

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< p > insiders told reporters that mother's day's exclusive financial product is just a gimmick, not specially tailored to mothers. In fact, it is in the name of mother's day that the bank's financial products from this period are expected to be relatively high, and this is just a marketing tool.

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Yin Yanmin, an analyst at bank P, thinks that, in view of the relatively loose liquidity in the money market, the average expected rate of return of bank financial products will continue to decline in the short term.

The current high yield rate is less than a href= "http://www.91se91.com/news/index_cj.asp" > Financial Management > /a > products are concentrated in medium and long term. Therefore, investors with low liquidity requirements can pay attention to medium and long term high yield financial products.

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