In The Year, Bank Financial Products Yield Steady.

< p > the world is < a target= "_blank" href= "http://www.91se91.com/" > clothing < /a > a target= "_blank" href= "_blank".

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< p > seeing that the nuclear test time of the mid-term exam is approaching, but the market efficiency of bank financial products is not yet apparent.

According to the reporter's observation, in June, the expected revenue of bank financial products was relatively stable, and the number of high-yield financial products with an expected yield of over 6% was significantly reduced.

Insiders pointed out that at present, banks are likely to raise the expected earnings of banks' financial products, which shows that the market funds are relatively loose, and the tight money is expected to ease.

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< p > < strong > the expected revenue of the bank financial products has not significantly increased /strong < < /p >.

< p > every quarter, the middle and the end of the year are the best investment time for financial investors to expect, because banks will issue high yield financial products at these time points.

However, according to the recent observation of reporters last June, due to the extreme shortage of market funds, the expected yield of bank financial products has been straighten up, and the product revenue of each term has hit "the most in the year".

However, by the time of the mid-term examination, the expected revenue of financial products has not been significantly increased.

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< p > according to the statistics of silver rate network, in the first week of June, the average expected rate of return of non structural RMB financial products issued by "a href=" http://www.91se91.com/news/index_c.asp "> /a" /a "was 5.18%. On the way of breaking the fifth plan, the number of high-yield financial products expected to yield over 6% was also significantly reduced.

As for last week, only 43 products had an expected yield of over 6%, and the high yield product with an expected rate of return of over 6% fell to 5% from last week's 40%.

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< p > at the same time, from the product term, except for more than 1 years, the expected revenue of other financial products in other periods declined slightly.

Among them, the average expected rate of return for products below 1 months is 4.04%, a decrease of 0.11 percentage points; the average expected rate of return for products from 1 months to 3 months is 5.14%, a decrease of 0.17 percentage points; the average expected rate of return for products from 3 months to 6 months is 5.30%, decreasing by 6 percentage points; in addition, the average expected rate of return for products from the month of the month to the year of the year is down, with a decrease of about one percentage point.

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< p > in fact, since the beginning of this year, the earnings performance of financial products has not been eye-catching, and its average expected rate of return has been declining slowly from the level of 5.7% above the beginning of this year.

Even in the last week of March, the end of the season was only a 0.07 percentage point increase, and then continued to slide.

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< p > in addition, last year, the "baby corps", which was struggling with bank financial products, was not ideal.

After entering June, the 7 day yield of balance treasure, WeChat financial communications, Baidu 100 earn and other "baby" gradually broke 5%, and 30% "baby" products yield 4%.

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< p > Yin Yanmin, an analyst with the silver rate network, told reporters that at this stage, money market funds will continue to remain relatively relaxed. The possibility that banks will substantially raise the expected returns of financial products will be relatively low. The average expected rate of return of the products is expected to fluctuate around 5.2%, or only some banks may issue a small number of high-yield financial products to attract funds.

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< p > < strong > the market funds continue to be relaxed. < /strong > /p >

< p > from the expected earnings of financial products, the expectation of tight money is not strong.

From the perspective of the central bank's policy orientation, the open market will overturn the directional and quasi positive benefits, so that the optimism of the market will be further stabilized, and the market funds will continue to be relaxed.

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< p > June is a special period, which faces financial pressure every year.

However, judging from the current situation, the central bank has changed its policy direction and actively maintained stable funds in the interbank market.

Therefore, most people in the industry believe that the funds will be tightened in June, but the overall expectation is still relatively loose, and the tight money in the middle of the year is expected to ease.

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< p > since April this year, after a series of policies for stimulating steady growth, management has increased the intensity of monetary policy adjustment, increased the intensity of "targeted reduction" measures, and made clear that banks with a certain proportion of real economic loans that meet structural adjustment and meet market demand should appropriately reduce the reserve ratio, while expanding the scale of supporting loans for small and micro enterprises and special financial bonds.

The industry has made different calculations on the liquidity of the targeted quasi market release. It is widely expected that the amount of funds released by the central bank will be 65 billion yuan to 100 billion yuan for the market.

At the same time, regardless of the amount of money that can be released in the current direction, the central bank's re orientation will drop the directional easing signal to the market.

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< p > the debbond Fund believes that the situation of funds in the end of June has always been smooth.

In addition, from the recently released economic data, exports, power generation, PMI and so on show signs of economic stabilization, but not enough. As a major contradiction, the real estate industry is still cooling down, and many traditional industries' capacity surplus phenomenon has not been improved.

And in the long run, the economy will still have room for relaxation in the slowdown channel.

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< p > due to the shortage of money shortage in the middle of the year, it is difficult to see that in the middle of this year, Yin Yanmin suggests that there are currently a href= "http://www.91se91.com/news/index_s.asp" investors with idle funds. Investors do not have to wait until the end of the month.

If there is a high expected yield of financial products, matching the needs of investors in terms of investment duration and risk level, we can consider buying.

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