"38" Festival Aunt Hao Throwing Millions Of Bank Financial Pactions

Since March 1st, the central bank has lowered the deposit reserve ratio of financial institutions by 0.5 percentage points, and will release about 700 billion yuan of liquidity.

Market participants pointed out that the profitability of bank financing will continue to decline and further explore the bottom.

Yan Zi Jie, a bank analyst, thinks that in the next few days, the earnings of bank financial products will go further down, which will lead to more funds seeking fewer quality assets, resulting in a decline in return on investment in quality assets.

A woman is standing at the door of Hualong Xiangjiang bank Changsha well Wan Zi sub branch.

At 8 o'clock, the bank opened the door. She took the number 1, then sat directly at the counter waiting for the staff to work.

According to the bank's financial manager, Huarong Xiangjiang bank Changsha branch launched a financial product aiming at women's 38 quarter "Fu Ying Plan No. 16014" (female exclusive), whose expected annual yield is over 100 thousand, 5.2%, 300 thousand above 5.4%, and March 3rd is the first day of the raise period.

Because the sale is for women only, in order to truly confirm the sex of the purchaser, it is restricted to the counter purchase.

This "1" aunt is directed at this product.

Uncle Wang, who is 75 years old, came with his wife. "In order to buy this money, I have been to the bank four times before."

For the first time, Uncle Wang came to open the card; the second time he came to save money, he heard that he could only buy it; the third time, he and his wife moved the bank card together; "the fourth time came to sign a risk perception book, which was forgotten before."

And this time, he was not at ease, and accompanied his wife to grab money together.

8:30, staff on time to work, "1" aunt to buy 1 million 200 thousand yuan at a stretch.

Because the branch only has 3 million quota, the bank employees only bought it 1 million.

"If there's only 1 million quota, can't anyone else buy it?" someone in the team murmured.

It is true that only about 1000000 of the outlets were allocated on that day. For this reason, there was a spontaneous purchase by the mother to ensure that everyone had a share.

Ms. Yang told reporters that she was queuing at Xiangchun Road branch on the same day. Before the opening of the bank gate, a group of mothers had occupied the front row collectively. "They spontaneously took the number in sequence, and all agreed that each person would only buy 100 thousand. If anyone buys more, they will be told by others."

On the same day, Miss Yang had hundreds of thousands of savings bank cards, but simply did not grab the purchase quota.

And in the well Wan Zi sub branch, only 5 aunt has 3 million quota "second light".

It is understood that less than 2 hours spent, Huarong Xiangjiang bank Changsha branch of the 18 branches and 6 sub branches of the community's products have been sold out.

For Changsha aunt to spend millions to buy money, a bank in Changsha

The manager told reporters that this is not unusual.

Although the financial management group is usually ugly, the "money" can not be looked at. "It is often seen that they invest in a plastic bag with several bank cards and keys. They are typically not rich, but they can get millions of deposits at the counter for investment."

Jumping square dance, taking children together in the community, listening to health talks and other collective activities of middle-aged and elderly people, so that financial news in Changsha aunt group spread quickly.

Although Changsha mothers have dabbled in gold, stocks and bonds, their favorite products are bank financial products.

In March 3rd, Huarong Xiangjiang bank well Wan Zi sub branch, some queuing aunt told reporters that now the economy is sluggish, stocks have been caught, the fund has lost money, and it has been cheated by private investment institutions.

"The year before last went to the bank to save money, on the road encountered the investment organization to deliver the small advertisement, has promised the high repayment, finally has no direct company."

Ms. Li told reporters that although the yield of bank financial products may not be comparable to other investment methods, it is better than insurance. "Even if it is not guaranteed capital management, banks are generally not too far away. Otherwise, we will not buy them next time, and even deposits will be pferred".

Some people say that men earn money for women and women earn money for women.

Nowadays, in order to accurately grasp the pocketbook of women, not only merchants are doing odd tricks, but even banks are playing the banner of "women's special offer".

The annual 38 women's Day is natural.

A good time to attract female customers.

For example, E Bank of Changsha Mobile Bank launched the "38 quarter online exclusive financial management" during the 38 quarter, and Merchants Bank and Ping An Bank also introduced preferential treatment during this period.

Societe Generale Bank Changsha branch financial manager told reporters that before the internal discussion that there will be launched for women who come to manage financial activities to send roses.

Compared to the usual financial products, these "women's special offer" is expected to have a higher rate of annual yield, which has really lifted the appetite of mothers.

"By contrast, women may prefer financial management, especially bank financing."

According to the insiders of a bank's financial management department in Changsha, about 70% of the bank's financial clients are women. This is also an important reason for the major banks to seize business opportunities and promote women's financial products.

Experts say a comprehensive consideration of the increase in income and the recruitment cycle

Huarong Xiangjiang bank's product is being looted. Another important reason is that 5.2% of the products have been commendable.

According to statistics, the year before last, the expected annual yield of 6% of bank financial products can be seen everywhere; in mid July last year, the average expected annualized yield fell for the first time for 5%, after the six rate cut, the average expected annual yield has approached 4%.

"Combined with the financial data released by the central bank in January and the public statements of the central bankers recently, the moderately prudent monetary policy in 2016 has been confirmed."

Yan Zi Jie, an analyst at the bank's financial research center, points out that the earnings of bank financial products are inevitable.

He said that the bank's special offer was launched during the festival.

Investors should comprehensively consider the increase rate and raising cycle of earnings, and choose as long as possible medium and long term products with obvious increase in earnings and short period of recruitment, and give up the "gimmick" products of short investment cycle and long raise cycle. At the same time, it is suggested that prudent investors should start early and lock in the proceeds of the second half of the year ahead of schedule.