This Year, Financial Prudent Is King And Risk Aversion Is Heating Up.

Four days, four fuses and two early closing pactions, entering the A shares in 2016, the story is no worse than the summer of 2015. According to reporters in an interview yesterday, as a result of risk aversion, recently, many stocks of funds to banks, futures, gold and other financial markets return, some of the high yield bank financial products and even appeared "spike" situation.

Judging from the main investment products in China, non structural financial products, monetary fund, treasury bonds and some high-quality P2P platforms will be better low-risk investment varieties.

Especially after the adjustment of the stock market, the capital flows into the market. The volume and scale of the loans have increased in the near future.

Under the quasi cut interest rate, although the income has declined, it is still a low risk and high return.

The key is to keep the principal.

"Our bank will sell a financial product tomorrow, maintaining a guaranteed interest rate. The 181 day is expected to yield 4.9% of the annual yield. The risk is very low. Would you like to come over to see it?" the public Aunt Zhang told reporters that this week she had received two calls from the bank financial manager, and suggested that she go to the bank to consult the financial products. "To be honest, if the earnings were not placed before, they would not see it, but looking at the stock market, they still felt that financial management should be long-term, and earnings were not the most important ones."

Another citizen, Ms. Peng, also said that she used some of the liquidity to buy money funds, and the rest of the other invested in some low risk and fixed bank financial products, leaving only a small portion of the "chance" in the stock market.

From stocks to money funds and financial products, Ms. Peng said that since the second half of last year, they have lost too much money in the stock market. After that, their financial management concept has changed.

"Always thinking about making quick money, only looking at high yield.

But now it is found that financial management is a matter of income and risk equivalence. The most important and crucial thing to do is to keep the principal.

If you want to make quick money just like stocks, the risk will be very high. "

We need to rush to buy.

According to the reporter's interview, investors' risk aversion has also heated up other financial markets.

"This week, there are many clients who have consulted with financial management. Some customers will ask questions voluntarily when they have spare cash in their hands."

Mr. Ho, a financial manager of Binjiang East Road branch, told reporters that the stock market was very popular at this time last year, and that the earnings of bank financial products were basically not attractive. Many customers were more willing to buy fund products that invested in stocks.

This year, however, the situation is quite different. As many investors lose heavily, they still have idle funds in their hands and begin to pfer to fixed income products. Some customers who can not buy treasury bonds will also choose to buy bank financial products, and some of the high yield bank financial products even appear to be out of stock.

In Binjiang East Road's China Merchants Bank shop, financial manager also told reporters, "this is a new customer exclusive product, 125 days expected annual yield of 5.2%, to buy to grasp, sell very fire."

A similar product sold on the 5 has been sold out, and some customers have never bought it. "

Reporters found that at present, banks in the sale of financial products expected yield is mostly lower than 5%.

However, many bank financial managers have said that the risk of investment market is very large. Conservative investors should not choose some so-called high yield financial products, because high yield means high risk. If money is not in urgent need, it is better to buy long-term financial products.

In addition, many banks are recommending monetary funds to the public as a more dangerous "artifact".

Reporters at the Bank of Bohai road crossing the road to meet the public Liang, she said: "usually do not use money to buy bank financing, but the new year to spend more money, it took a sum of money in the money fund, can be purchased at any time, redemption can also arrive in real time."

Usher in the first wave of sales peak before Spring Festival

Not only are banks selling financial products hot, but other financial markets such as futures and gold are also heating up.

In order to make up for the unsatisfactory sale of gold last year, Guangzhou jewelry merchants attached great importance to the recent market recovery and made every effort to push the promotion before the Spring Festival. According to the reporter's two floor of Tianhe department store, many "gold rush customers" were consulting.

Zhou Dafu's sales staff told reporters that as a new year gift, emotional token and other rigid consumer demand, gold jewelry before the lunar new year ushered in the first wave of sales peak, several gold shops such as Zodiac Pendant popular gold jewelry also appeared to be out of stock.

In terms of gold prices, investors' demand for gold for hedging instruments increased significantly. On the Asian trading session on Thursday, international gold prices broke through the resistance level of 1100 US dollars / ounce, refreshing a new two month high, which has been the gold price for fourth consecutive days.

The price of gold jewelry, gold and gold rose to 302 yuan per gram, compared with Wednesday's rise of 6 yuan / gram; Lao Fengxiang gold price rose to 290.5 yuan / gram, compared with the previous day rose 3 yuan / gram; the gold price of the six Fu jewelry rose to 302 yuan / gram, compared to Wednesday rose 6 yuan / gram. The price of Zhou Shengsheng jewelry gold rose to 290.5 yuan / gram.

Zhu Zhigang, vice president and chief gold analyst of Guangdong Gold Association, believes that there are mainly two factors that affect gold prices, one is the international situation, and the other is the Fed's interest rate rise ().

Zhu Zhigang speculated that the price of gold is near the bottom. With the advent of the traditional Spring Festival, China's gold demand will also increase, and the price may rise in the future.

In addition to physical gold, Huatai futures Guangzhou business department also told reporters that "since last June and July, some investors have gradually turned to commodity futures."

"The proceeds from bank financing may not be frenzied, but it is healthy. In the past few days, we have found that in general, our investment intentions generally tend to be conservative, and the relatively safe financial products are more popular. According to reporters, although the investment income rate of bank financial products has dropped and dropped, the conservative investors are still risk aversion and return to bank financing.