Guaranteed Yield Of Financial Products Fell 30% In Half A Month

Since March, the yield of financial products has continued to decline. According to the statistics of preferred wealth investment research, the average yield of guaranteed financial products remained at around 4.6% in March, while floating rate remained unchanged. Income class The average yield of financial products is 5.46%.

Since March, the main change of bank financial products is the gradual decline in the proportion of guaranteed financial products. Data show that the proportion of guaranteed financial products has decreased from 30.5% at the end of February to 23% last week, and the two working days before this week rose to 25%, but the proportion of guaranteed financial products still showed a trend of wave decline.

Data show that the protection of financial products at the beginning of 5% near the beginning of the month has ceased to exist. At present, the yield of market guaranteed financial products is concentrated between 4.5%~4.8%.

about Bank finance The recent changes in the market suggest that this trend is mainly due to the fact that monetary policy is still at a loose stage. The expectation of lowering interest rates has led to a continuous downward trend in the cost of capital. This is also the main reason leading to the decline in bank financial returns.

On the one hand, the capital preservation type financial products The yield is declining; on the other hand, the reporters found that the market is not short of high yield floating financial products. The best wealth investment research data show that the difference between the yield of the guaranteed and floating financial products shows a wave shape in the near future. The difference between yields is fluctuating between 0.5%~1.4%, and the average yield difference in March is near 0.8%.

"Capital gains are linked to interest rates and reduced interest rates, so it must be the proceeds above the current certificates of deposit, rather than guaranteed capital management. Under the market interest rate downtrend, banks should attract customers and drain some customers back to retain certain competitiveness when the P2P product returns are high." A Guangdong financial industry insider who did not want to be named yesterday said in an interview yesterday.

The report of the 360 financial release pointed out that after the Spring Festival, investors gradually returned to the financial market, and the market funds remained loose. The expected yield of financial products will continue to keep downward. In March, it is likely to fall below 5.1%, and the probability of breaking 5 in the two quarter will be greater.

For the recent changes in the bank's wealth management market, preferred wealth senior financial manager Deng Ya believes that from the perspective of future financial products, the yield of guaranteed financial products will also go down in the future, and the yield of floating financial products will follow the market changes. For example, with the improvement of the stock market, the yield of financial products linked to the stock market will go up step by step, which will also widen the gap between the yield of guaranteed financial products and floating financial products.