The National Debt Is Much More "Cold" Than Other Financial Products.

Investment in government bonds, which has been popular among residents, is becoming increasingly desolate with more and more investment channels.

In November 16th, a reporter from Huaxi City Reader visited many business offices in Zigong and found that the sale of treasury bonds was very cold.

"More than 20 years ago, because of the lack of investment channels, government bonds were really popular among residents.

However, with the emergence of more financial methods, more targeted financial management methods are gradually recognized by everyone and become mainstream, such as financial products.

Insiders say that its flexible and convenient way of financing has indeed taken away many "business" of national debt.

It is understood that the investment cycle of financial products has 30 days, 60 days, 90 days, 180 days, and so on. Residents and private business owners can arrange financial management according to different cycles when funds are idle.

"Nowadays, fixed deposits, financial products, stock markets, pavements and even chips, more and more investment channels are accepted by the public, and are also one of the reasons for the cold reception of national debt."

"In the 90s of last century,

The highest annual income has reached over 14%, and all are apportioned to individuals, and now basically they can only be bought in institutions such as banks.

Ms. fan of Zigong said that in 80s and 90s of last century, because of the lack of investment channels, the national debt was very popular and the income was good. I bought a lot of that year, but I hardly ever bought it after 2000.

Like Ms. fan, she used to be a resident.

The hot bonds of the boom are now being met with cold reception.

"The current issue of treasury bonds has 3 years and 5 years of two kinds, with an annual interest rate of 4% and 4.42% respectively, but the citizens who buy it are very few, and there is not much to ask, not as good as financial products."

Zigong Huidong a Bank Sales Department official said.

It is understood that in recent years, because of the diversification of financial management and channels, residents have more choices, so the hot debt of that year is now slowly forgotten by people.

"Two years apart from the stock market,

It is also very popular, the stock market is relatively seasonal, bull market will be touted by investors, few people buy stocks in bear market, financial products just fill this gap.

Insiders say.

"There are two kinds of treasury bonds, one is the certificate type, the other is electronic, which is issued monthly, and the electronic issue is issued in November."

Ms. Tian, a retail banking department of a bank in Zigong, said that the current interest rate of treasury bonds and the annualized interest rate of financial products are relatively small.

She said that after several rounds of lowering interest rates, the bank's financial products have also been adjusted accordingly. The current non guaranteed income financial products can achieve a maximum annual yield of 4%, while the guaranteed earnings based financial products are less than 4%.

"In my opinion, in the past, most of the old people bought treasury bonds were elderly people. Because they did not understand other investment channels, they tended to have almost no risk of treasury bonds.

But relatively speaking, in recent years, the popularity of financial products is not related to the flexibility of their investment methods.

There are many kinds of financial products, which can be set up according to different requirements of different investors. They can also be invested monthly, and can also set foot in gold, silver and other precious metal markets, and can be redeemed at any time.