In 2015, The Scale Of Bank Financing Continued To Exceed 20 Trillion.

In 2015, with the advance of interest rate liberalization, the spread of interest rate was further narrowed, and the traditional profit model was difficult to sustain. The demand for new profit points became extremely urgent.

After the reform of bank financial management system, bank financing is very likely to become an important business type for banks to make profits in the future.

Data show that although the yield continued to decline, in 2015, the scale of bank financing continued to exceed 20 trillion.

Data show that in 2015, a total of 1467 foreign currency financial products were issued.

Among them, US dollar financial products are still the first choice for foreign currency financial investment, accounting for more than 50% of the total issue of foreign currency financial products.

State owned banks and joint-stock banks are still the main institutions for issuing foreign currency financial products.

Among them, joint-stock banks issued 628, and state-owned banks issued 553.

The largest foreign currency issue.

A total of 269 foreign currency products were issued for Bank of China.

According to statistics of Puyi wealth, in 2015, the scale of bank financing continued to exceed 20 trillion, and continued to maintain a growth rate of more than 25%.

From the point of view of bank financing, bonds and money market are still the main investment direction, but the portfolio issuance of financial products significantly increased in the first half of last year, accounting for 4~5 higher than that of bond and money market products.

"As 4~5 month is in the bull market, banks have generally increased the allocation of portfolio investments."

A financial manager of a joint-stock bank, who did not want to be named, told reporters. "But after the adjustment of the stock market, the bank substantially reduced the asset allocation of equity, and the portfolio of portfolio investment products declined significantly."

In 2015, 352 banks issued 82275 RMB closed financial products for individual investors.

Among them, the city commercial bank issued the largest volume, accounting for 38%.

State owned banks, joint-stock commercial banks, rural financial institutions and foreign-funded banks accounted for 18%, 23%, 19% and 2% respectively.

"This year, city commercial banks are developing rapidly, and in traditional banking business, they are obviously inferior to national banks in terms of network and popularity.

Puyi wealth researcher Wei Jiyao said that in the financial management business, regionalism makes the city commercial bank get more resources and policy support, making its financial management business develop rapidly.

In addition, up to 5.07% yield also makes the city commercial banks competitive enough.

Foreign banks issue fewer products.

At the same time, the average yield of structured products is 3.56%.

It is worth noting that foreign banks have more structured products and more diversified products. The average yield of such products is the highest, reaching 5.61%, which has strong attraction for customers with rich investment experience.

In the first half of 2015, the average yield of bank financial products stood at more than 5%.

"Loose monetary policy encourages surplus funds to flow to the stock market, and bank financing also increases the allocation of equity assets. In the first half of the year, the" mad cow market "of the stock market helped to stabilize the yield of bank financial products to a certain extent.

Wei Jiyao said.

According to Puyi wealth data, in the first half of the year, the average yield of traditional non structured closed income expected RMB financial products fell from 5.25% to 5.05%, but the average yield from July to December dropped sharply from 4.95% to 4.39%.

The financial manager said mid June.

The slump led to the rapid decline in the size of funds for docking A shares, and the rapid increase in excess capital in the market, while the number of high-quality assets did not increase.

Compared with other financial institutions, bank financing has higher requirements for risk control in asset selection, and screening is more stringent. Therefore, the shortage of high-quality assets is more serious.

According to Puyi wealth data, from November to mid December, the yield of banks' financial products was stable, and even more products with higher returns were affected by the "year-end effect".

But Wei Jiyao said that the upward trend of the yield trend of financial products at the end of the year is a manifestation of time. The situation of asset shortage is hard to be effectively improved in a short time, and the rate of return will continue to decline.