In June, Bank Earnings Will Linger At 5.2%.

< p > financial return rate is on the "5" road. The central bank has two directional reduction experts in 50 days. In June, banks' a href= "http://www.91se91.com/news/index_s.asp" > financial management < /a > earnings will linger at 5.2% < /p >

In the past 50 days, the central bank lowered the water supply to p twice.

The banks that are about to "mid year assessment" have breathed a sigh of relief, but investors are complaining about this: not only the yields of "treasure" products such as balance treasure are hovering around the "4 era", but also the profitability of bank financial products is on the way to breaking "5".

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< p > experts say that investors who have idle funds at hand do not have to wait until the end of the month to launch again. A high flying financial product will not appear. The average expected yield of financial products in June will be hovering around 5.2%.

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< p > < strong > the central bank has two directions in 50 days: /strong > < /p >

< p > since April 25th, the central bank has issued a notice to reduce the RMB deposit reserve ratio of the rural commercial banks in the county area by 2 percentage points, and reduce the RMB deposit reserve ratio of the county rural cooperative banks by 0.5 percentage points.

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In the short span of 50 days, the central bank once again lowered its direction. Since June 16th, commercial banks which have met the prudent operating requirements and have reached a certain proportion of loans to agriculture, rural areas, farmers and small and micro enterprises (excluding institutions that have lowered the reserve ratio in April 25, 2014) have reduced the rate of deposit reserve ratio of RMB deposits by 0.5 percentage points in P.

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< p > 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 will be 65 billion yuan to 100 billion yuan for the market.

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< p > and no matter how much a href= http://www.91se91.com can be released for the market, the bank analysts believe that the re orientation of the central bank has released a positive signal to the market, and that the market funds are expected to continue to be relatively loose and loose.

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< p > < strong > financial return rate is on the road of breaking "5" < /strong > /p >

Less than P, the central bank has twice been targeted.

Under the background of abundant liquidity, the 7 annual yield of Internet Financial treasure products has broken 5 in the beginning of the month, and even has a direct trend of "4".

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Less than P, compared with 7% or even 10% of the wealth management products in June of last year, the bank's financial revenue is not strong this year.

Liu told reporters that she purchased the financial products at the end of last year, earning 6.3% of the annual income. Now that it expires, she intends to continue to buy, but the financial manager has told her that the yield of this financial product can only be "guaranteed 5" now.

"I want to buy other financial products, but the rate of return is generally not high."

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< p > reporter inquires that the financial products sold by the major banks in Beijing are found to be close to the "mid year exams". However, the expected earnings level of financial products is still declining, and the number of high-yield financial products with an expected yield of over 6% has obviously shrunk.

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< p > according to the statistics of the silver rate network database, the average expected rate of return of non structured RMB financial products issued by banks last week (from June 1st to 7th) is 5.18%, and is also on the way to break the "5".

The expected yield of over 6% of high-yield financial products is also significantly reduced. Last week, only 43 products had an expected yield of over 6%.

The high yield products with an expected yield exceeding 6% account for more than 40% from the beginning of the year to 5% last week.

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< p > < strong > expert June bank income will linger at 5.2% < /strong > /p >

< p > with the approaching of the "mid year exam", can investors still wait for a night to rush up financial products? How should we manage our money in June this year? < /p >

< p > > "don't wait until the end of June to buy financial products. This year's earnings break 7 is very unlikely." a joint-stock bank's financial manager said that it was different from last year's speculation. Considering the return and liquidity this year, the financial products from 3 months to half a year are better choices. "At present, the yield can only exceed 5.5%, which is still a good choice."

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< p > Silver rate network analyst said that the central bank has been targeted for a long time in recent years. Money market funds will continue to maintain its relatively relaxed state. The possibility of substantially raising the expected return of financial products is low. The average expected rate of return of financial products is expected to fluctuate around 5.2%. Some banks may issue a small number of high-yield financial products to attract funds.

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< p > > therefore, analysts at the bank's network suggest that there is currently a a href= "http://www.91se91.com/news/index_cj.asp" > investor < /a >, which does not have to wait until the end of the month to meet with the expected higher return on financial products. If it matches the needs of investors in terms of investment duration and risk level, then it can consider buying.

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