Bank Financing Proceeds Continue To Slide "3 Era" To Invest Cautiously

The yield of bank financial products continues to decline, and has entered the "3 era".

According to the data released by the financial information institution's silver rate network, last week (April 9th to April 15th), RMB non structural financial products sold 864 yuan, the average expected rate of return was 3.97%, 0.05 percentage points lower than the previous week, and the yield fell for 4% for the first time.

We need to raise awareness of risk prevention and not blindly trust the high-yield products in advertising.

Analyst Yan Zi Jie believes that the average expected rate of return of bank financing falls below 4%, which has two implications. On the one hand, it indicates that the bank financial income has entered a low income range after nearly a year of continuous decline, and financial income has entered the "3 era".

Financial products will become more and more difficult.

From the perspective of the number of accounts, China still relies on individual investors, and accounts for more than 90% of the total number of personal accounts. However, from the perspective of the share market value, the proportion of individual investors and professional institutional investors has decreased significantly in recent years.

The industry believes that in the short term, the era of low interest rates will not end, including bank financing, including all kinds of financial products revenue will still decline slightly.

In addition, there is still room for cutting interest rates during the year. Investors should pay attention to the term "appropriate length and not short" for the purchase of financial products.

In addition, Yan Zi Jie reminded that

The share and position of products in China's residents' investment and financing market are very important. Their low returns to a certain extent is a microcosm of the gradual return of the market return on investment. Some people who pursue higher return on investment, if they do not have a correct understanding of the reality of low returns, can easily buy some false high-yield products.