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There Was No Shortage Of Money In Mid 2014, And The Yield Of Financial Products Jumped In July.

2014/7/17 13:17:00 46

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Financial Products Yield Financial Management

here, the world's < a target= "_blank" href= "http://www.91se91.com/" > clothing < /a > a target= "_blank" href= "_blank" > shoes "< hat" net to the small compiling to introduce the money shortage in the middle of the year, July financial products yield jump.

last June, banks faced the problem of "money shortage". Major commercial banks launched high interest rate financial products in order to "protect" deposits in the middle of the year.

Over the past year or so, has the bank assessed the bank's launch of high-yield financial products to attract banks? Has the bank found a beautiful pcript?

a few days ago, I visited the city bank and found that the interest rate of financial products did not return to the climax of last year's earnings at the end of June this year. The yield of financial products in early July was lower than that at the end of June, with a drop of about 1% to 2%.

industry insiders say that the annual yield of financial products will remain at a stable level this year and will not go up in the short term.

a href= < http://www.91se91.com/news/index_cj.asp > yield < /a > slightly lower than June /p >

the manager of financial products of GF bank introduces that the annual financial yield of the bank is expected to be slightly reduced.

He said that the yield of financial products with a more than 100 day behavior period reached a maximum of 5.3% at the end of June, and the current yield was only 4.80%.

from the announcement of Dongguan bank's official website, we can find that the annual yield of a guaranteed financial product can reach 6% at the end of June, while the latest annual yield of some financial products is about 5.2%.

a manager of a joint-stock commercial bank in Dongguan also told me that the yield of financial products is slightly lower than that at the end of June.

The Bank launched a more than 100 day guaranteed financial product with an annual yield of 4.19%. Last month, a similar product had an interest rate of 5%.

for this reason, Ma Zhiping, President of Dongguan Association of financial planners, believes that the reduction of returns on financial products is closely related to the key nodes of banks.

He said: "at the end of the year, in the middle and the end of the year, banks are the assessment nodes. The demand for money is bigger. Through the implementation of high-yield financial products to absorb funds, the bank's assessment has passed, and its yield is a minor phenomenon."

Jiang Lin P, a doctoral tutor and professor at south of the Five Ridges College of Zhongshan University, analyzed the bank's ability to produce beautiful pcripts for the mid year exams, and the introduction of high interest rate financial products to absorb funds.

in the middle of the year, the pressure of bank funds is smaller than /strong > /p >

last June, the "money shortage" caused all banks to mess up and raise the yield of financial products.

"Before June last year, the yield of financial products was between 4.25% and 4.7%, and then it rose very fast in June, with a wave higher than a wave. The highest guaranteed cost is 6.4%, and the non guaranteed capital can reach 7.1%." a financial manager of a stock market commercial bank in Dongguan thinks that the "abnormal" of financial products last year can be attributed to the phenomenon of "money shortage".

the financial manager revealed that the bank shortage caused the bank's "suck up" war last year, and the yield of financial products naturally increased.

This year, the policy is loose, the capital side is relatively loose, the market liquidity is not strong, the yield of financial products falls within the normal range, and the yield is fluctuating between 5.1% and 5.3%.

for this, Ma Zhiping analysis, in 2013, the bank's money shortage was related to the central bank's monetary policy. Last year's commercial banks had a large financial gap. In order to make up for the shortfall of funds, commercial banks then launched high interest rate financial products.

"in 2014, the central bank made relevant policy control and appropriately increased the money supply, especially in the past, and the pressure of banks' funds was even less."

Ma Zhiping thinks that demand determines interest rate, and the trend of interest rate is related to the flow of funds in the market.

The shortage of money is a phenomenon in a specific context. The yield of financial products today will not return to the high level of "money shortage".

In addition, Professor Jiang Lin pointed out that since the launch of Internet financial products (such as balance treasure), the competitiveness of financial products has been getting lower and lower, and the rate of return is relatively low. "P"

For example, since the beginning of this year, the balance of treasure rate has dropped from 5% to around 4%, and the interest rate of financial products has been decreasing one after another.

expected earnings will not go higher in the short term

a staff member of a commercial bank in Dongguan revealed: "in June, the interest rate of a financial product launched by a bank was very large in response to the performance appraisal in the middle of the year. It fluctuated from 4% to 25%, and its yield fell to 3% at the beginning of July."

For this reason, the author inquired about the official website of the financial product, and found that the financial product belongs to the money market fund of the bank agent. The scale is about one billion and eight hundred million. From April to June this year, its annual income fluctuated between 4% and 5%, and a small peak appeared in early June. The annual income reached 7.1%. In June, it fell to 1.9%. In June, the highest position rose to 25.443%, then fell rapidly, and July 7th dropped to 3% in P.

this phenomenon, Ma Zhiping believes that short-term financial products will not go up, will remain at a stable level.

If there is a lack of financial products in a short period of time, it may be that bank agents are bank trust products and fund private equity products.

Ma Zhiping analyzed: "banks are only channels for investment and do not need to be responsible for investment.

Before starting a financial product, investors should make clear what form the financial product is, the nature and where to invest.

for the short-term expected high yield of financial products, Jiang Lin thinks that in terms of investment, return and risk are directly proportional to each other. High yield and low risk financial products are unrealistic.

"It is a marketing strategy for banks to raise interest rates on financial products to attract business and attract people. This may lead to a high interest rate, but advertising sales are far greater than actual operations, which will not be too high for banks' proprietary businesses."

Jiang Lin analysis.

before going into the market, we must do a good job of risk assessment

at present, < a href= "http://www.91se91.com/news/index_s.asp" > financial management < /a > Product annualized yield slightly down, when will it be a good time to invest? What issues should we pay attention to when investing in financial products?

for this reason, Jiang Lin believes that when investors invest, they need to do their best to measure the relationship between risks and benefits.

In accordance with the rational financial needs, when the funds are free, they can buy financial products in some experienced commercial banks.

besides, Jiang Lin pointed out that when determining investment, investors need to see the relatively small part of the contract's exemption clause and text.

if you do not manage money, money will ignore you.

Ma Zhiping also believes that if investors have spare cash at this stage, they can still invest in financial products, and investment can make up for currency depreciation and inflation.

Ma Zhiping analysis, investors should correctly understand and assess their abilities before buying financial products. Risk assessment should be done before investment. Risk and return should be considered comprehensively to clarify the investment direction of financial products and the use of their own funds.

Ma Zhiping said: "in short, investors should correctly manage their finances, achieve balanced capital returns, and have high safety factor, flexibility and comprehensive consideration and evaluation."

Ma Zhiping pointed out that financial products have guaranteed cost and non guaranteed cost. The guaranteed products are < a href= "http://www.91se91.com/news/index_cj.asp" > funds < /a > no loss, low interest rate and high safety coefficient. The period between one or two months and half a year is between 5% and 6%, and the interest rate is between 5% and 6%.