Internet Financial Products Easily Outperform Traditional Bank Financial Products

Since March 1st, the central bank has generally lowered the RMB deposit reserve ratio of financial institutions by 0.5 percentage points.

Analysts believe that due to the reduction of deposit deposit after the deposit reduced, the market funds to be relaxed.

The downward trend of the yield of traditional banking products is obvious. This trend has been reduced or intensified.

Although the yield of baby products and P2P products will shrink, the yield of the entire Internet financial products will still easily outperform traditional bank financial products.

According to statistics, this week's financial products weekly expected annual yield fell to 4.06%, a decrease of 0.09%.

Within 7 days, the expected annual yield of financial products reached 3.24%, and the annulus ratio decreased by 0.02%. The financial products weekly from 8 days to 14 days period expected 3.37% annual annualized yield, 0.49% lower than the annualized rate; the financial products weekly from 15 days to 1 months were expected to achieve an annual yield of 3.20%, and the ring ratio was reduced by 1.02%.

Faced with uncertain financial products, how can investors choose?

Financial experts believe that for the same bank, the longer the term of financial products is, the higher the rate of return will be. In the context of declining earnings, buying long-term financial products will help to lock in the relatively high rate of return in advance and not be affected by the decline in the latter.

In addition, big banks

Abundant, high-quality assets, "no bad money" led to the low yield of financial products of large state-owned banks, and the high yield of financial products of small and medium-sized banks.

Overall, the net loan industry's yield level has shown a downward trend in recent years, but the yield of financial products of the Internet financial company is significantly higher than that of bank financial products, such as Lu Jin, fast money, ant gold clothing and Jingdong financial products.

Among them, Lu Jin's demand product is 7 days of life.

4%, the 36 month period of the E series is expected to be 8.4% months. The annual yield of the fast cash is 8.4%. The annual yield of T+0 is 4.6%. For the investors who first registered fast money purse, the regular financial products will be 30 days to meet the new version. The expected annual yield is 9.9%.

If we favor Internet financial products, investors should be cautious in choosing the platform.

According to data released recently by net loan home, 74 new platforms for P2P in February are still high.

As of the end of February, the total number of problems reached 1425, and the number of accumulated platforms in the net loan industry reached 3944 (including problem platforms), and the proportion of problem platforms exceeded 36%.

In addition, with the tightening of regulatory policies under the new deal, the number of new online platforms has decreased significantly, and the net loan industry has entered the stock development stage.

Analysts say that some Internet backed financial platforms with large enterprises endorsement are relatively safe, such as ant gold clothing, quick money management, Lu Jin and so on. There are specialized asset management teams, wind control is strict and yields are steady. They are backed by Alibaba, Wanda, China Ping An and other enterprises, and have strong shareholder strength. Through quality investment portfolio, reasonable asset allocation to ensure expected revenue can minimize the impact of the reduction.