Bank Earnings Have Declined Sharply

In the early spring of March, the bank financial market was killing. This week, after searching around the Guangzhou Shenzhen market, he had to accept the fact that the income from bank financing has begun to decline. This week's financial market, in addition to a 6.3% product, the rest of the product yield is less than 6.1%, which is the lowest in more than a year. What is more worrying is that the bank's financial income is expected to continue to decline in the market. In this situation, Mr. Jun can only advise you to lock in high-yield financial products as early as possible.

In the recent Guangzhou Shenzhen regional bank Financial market On this occasion, the bank won the lead again and again. Last week, the Bank of Huaxing bank took advantage of the "Yingshan Hong money" policy, with a robust 6.5% yield. This week, the bank has once again won the expected yield in Guang Shen. The same is "Yingshan red financial management" robust No. 1, the investment period is also 365 days.

However, the threshold of the product has been improved since last week. From the point of view of yield, this year's "Sam Shan hung finance" has a steady annual yield of 6.3%, down from last week's products. Rao is like this. It is still the most profitable financial product in Guangzhou and Shenzhen. On the other hand, the starting point of purchase this week is 200 thousand, which is much higher than the 50 thousand starting point of last week.

"Yingshan Hong finance" is stable below the first level, but it is difficult to have highlights. Second only to "Yingshan Hong finance", the first is the "happy gold 7 RMB 115th RMB financial plan", with a yield of only 6.08%, followed by 4 financial products with a yield of 6%. Generally speaking, "Yingshan Hong money" is not low, but the yield of other products is not good enough. This week, the financial products of banks are very low. Therefore, this is recommended by you this week.

At the same time, we found that this week's high-yield financial products, more and more products in the medium and long term. In the 8 products with the highest yield, the medium and long term products reach 5. In the 3 short term products (less than 180 days), the shortest investment period will take 91 days. High yield in the past 30 days and 60 days financial products Today, it is hard to find traces.

What is more worrying is that the proceeds of bank financial products will also decline further. In the short term, Niu Wen, a financial planner, told the correspondent that from the perspective of funds, there was ample supply of liquidity in the market in the following months due to the release of larger financial deposits in the middle and late of this month.

In the medium to long term, it is difficult for banks to get better financial products. Last week, about the replacement of local bonds. debt News has become the most concerned topic in the whole market. Zhu Guangyao, Vice Minister of finance, said publicly that the State Council has approved the local debt replacement quota of 1 trillion yuan, which will cause heavy losses to the bank's financial revenue.

A senior financial planner of a joint-stock bank branch told reporters that the asset allocation of financial products basically includes money market, bond, stock market and direct project investment. Among them, the yield of money market and bond is basically around 5%, and the proportion of stock market investment is relatively small. Therefore, the yield of a financial product depends mainly on direct investment. The most important part of direct investment is local government financing. The interest rate sensitivity of local government financing projects is relatively weak, which can give banks 10% or even higher rate of return.

Now, according to the plan of the Ministry of finance, the local government will issue bond raising funds to repay the local debts due, which means that the good days of city debt will be over. After that, it is difficult for bank financing funds to find local financing projects with a yield of 10%. Therefore, the chief economist of Bank of communications, Ping Ping, told reporters that the local government bond replacement scheme, although some market participants might think, could ease the worries about the quality of bank assets, but it also meant that banks would lose high quality assets with high yield and good credit conditions. The gains and losses are unspeakable pros and cons.