• <abbr id="ck0wi"><source id="ck0wi"></source></abbr>
    <li id="ck0wi"></li>
  • <li id="ck0wi"><dl id="ck0wi"></dl></li><button id="ck0wi"><input id="ck0wi"></input></button>
  • <abbr id="ck0wi"></abbr>
  • <li id="ck0wi"><dl id="ck0wi"></dl></li>
  • Home >

    Bank Financing Yields All The Way Down, Investors Turn To Internet Finance.

    2015/8/4 16:52:00 451

    Amoy DressFamous Brand Of Baby ClothingFashion Design School

    In the last week of July, the average expected yield of financial products was 4.80%, a decrease of 4 basis points from the previous week.

    By the sharp shock of the two level market, the design of bank financial products also pays more attention to safety and stability, which indirectly leads to the decline of the yield level, and investors do not buy it and turn to Internet finance.

    In the face of ample liquidity in the money market, everything is a cloud.

    Not only the yield of baby financial products has gone down, but the yield of financial products pushed by banks themselves has also been on the low side in recent years.

    From the data of the last week of July, the average yield of non structured financial products has dropped to 4.8%.

    "Because investors are not satisfied with the yield, the sale of bank wealth management products is not as easy as in the middle of last year," a customer manager of a state-owned big bank told reporters. "I have some friends and relatives around me turning to Internet financial products."

    In addition, the reporter noted that some banks have been highly sought after, and even frequent "kill" financial market night market has also encountered the embarrassment of sales fatigue.

    Low yields

    Bank's main brand

    Reporters noted that recently, a joint-stock commercial bank launched a low-risk night market.

    Exclusive financial products

    Unlike the previous night market launched by the bank to pursue high-yield exclusive market, this robust product chooses assets with lower risk rating.

    The bank's financial planner said, "the recent shocks in Shanghai and Shenzhen stock markets have once again sounded the alarm for investors. Rational investment, sound financial management, asset allocation and other key words have also returned to investors.

    In the case of market fluctuations, we should adopt a sound investment strategy in a timely manner, rationally allocating family assets to ensure maximization of returns.

    In fact, by the sharp shock of the two level market, many investors have increased their risk aversion, and the design of financial products also pays more attention to safety and stability, which indirectly leads to a decline in the yield level.

    Pu Yi wealth monitoring data show that in the last week of July, the average expected yield of financial products was 4.80%, a decrease of 4 basis points from the previous week.

    Among them, the urban commercial banks issue 325 products, the average expected rate of return is 5.06%, 5 points lower than the previous period; the joint-stock commercial banks issued 225 products, the average expected rate of return was 4.89%, up 1 basis points compared with the previous period; the state-owned banks issued 130 products, the average expected rate of return was 4.48%, a decrease of 4 basis points compared with the previous period; the rural financial institutions (including rural commercial banks and rural credit cooperatives) issued 70 products, the average expected rate of return was 4.82%, lower than the previous period by an average of 4.48% basis points; foreign banks issued products, the expected rate of return is a fall, a decrease of the basic point.

    Securities research report pointed out that

    Bank financing

    The asset end yield determines its liability cost.

    "As a profit making organization, although the development of financial products has many aspects of business cooperation, it is still a very important part to earn intermediate interest income. Short-term losses may be acceptable, but not long-term sustainability.

    From the end of 2014, the allocation of financial assets of banks, financial funds mainly invested in bonds and money markets, non-standard bonds, bank deposits, these 3 assets accounted for more than 90% of the total, the remaining 6.24% for equity assets, 1.27% for new funds.

    Through the simple fitting of the asset end yield trend of all kinds of assets, it can be found that it is basically consistent with the expected yield trend of the 3 month banking financial products.

    That is to say, in view of the sharp fluctuation of the two tier market and the postponed issuance of new shares, the yield of bank financial products will not be greatly improved in the short term.

    Investors do not buy it.

    Turning to Internet Finance

    The unsatisfactory rate of return has naturally hinded sales.

    In another bank's "financial night market", the reporter found that the sales progress of financial products was not satisfactory.

    The sale time of a product with an expected annual yield of 5.28% has already passed. Most of the products are purchased by only 13 people, and the total purchase volume is only 200 yuan.

    As of press releases, the bank sold the same time limit products (the remaining 2 days) the best seller in a product sold only 12% of the quota, and 88% of the remaining amount.

    And the customer manager of a joint stock bank in the southwest second ring road also told reporters that recently, even the customers who came to ask about the issuance of financial products were also reduced, and the buyers were more obviously reduced.

    A customer manager of a state-owned big bank also told reporters.

    Online finance

    The impact on sales of financial products is still continuing, and some of the middle and old people are turning to P2P investment.

    • Related reading

    In The First Half Of 2015, The Yield Of Bank Financial Products Declined.

    Financial management
    |
    2015/8/3 14:34:00
    14

    The Massive Collapse Of Gold May Have Just Begun.

    Financial management
    |
    2015/8/2 16:28:00
    24

    The Surging Surge Of Many Listed Companies Has Been Put Up

    Financial management
    |
    2015/7/29 17:03:00
    17

    Hong Kong'S Massive Net Purchase Of A Shares Has Reached A New High.

    Financial management
    |
    2015/7/29 15:45:00
    26

    Rebound In The Market Outlook Is Still Possible To Dig Deep Potential Stocks Is The Right Way.

    Financial management
    |
    2015/7/29 14:56:00
    23
    Read the next article

    Europe And The United States The Most Beautiful Wind Streaks Comfortable And Cool.

    This year, the stripes are really fashionable elements that are particularly popular. Many of them love to wear them. Let's take a look at them.

    主站蜘蛛池模板: 男女啪啪免费体验区| 一级毛片一级毛片一级级毛片| 免费a级毛片无码| 一级试看120秒视频| 玩弄丰满少妇XXXXX性多毛| 日本三级在线观看免费| 国产91精品久久| 一本一道久久综合久久| 波多野结衣大战5个黑人| 婷婷色香五月综合激激情| 四虎影视永久免费观看| va亚洲va欧美va国产综合 | 国产精品伦一区二区三级视频 | 中文字幕视频不卡| 精品国产一区二区三区av片 | 91成人在线免费观看| 狠狠色欧美亚洲综合色黑a| 国产精品白丝av嫩草影院 | jizz黄色片| 欧美性猛交xxxx| 国产午夜av秒播在线观看| 三级黄色免费观看| 欧美综合人人做人人爱| 国产在线98福利播放视频免费| 乱人伦视频中文字幕| 免费观看激色视频网站(性色)| 欧美人与物VIDEOS另类| 国产精品伦子一区二区三区| 久久人人爽爽爽人久久久| 精品久久一区二区| 女同午夜三级在线观看| 亚洲国产最大av| 色噜噜狠狠一区二区| 日韩欧美一区二区三区| 国产亚洲精品精品精品| 久久一区二区精品综合| 美女毛片一区二区三区四区| 嫩草影院精品视频在线观看| 亚洲国产AV一区二区三区| 老司机永久免费视频| 国产色无码精品视频国产|