Bank Financial Products Are Quite "Spelling" Now.

As for the profitability of financial products, ordinary investors who have long participated in financial management will know that this is related to the type of issuing banks of financial products.

For a long time, the low yield of large state-owned financial products and the high rate of return of city commercial banks have become normal, and have become the choice factors for investors to buy financial products.

Statistics show that apart from choosing bank categories, regional division may also make financial products yield different.

Non guaranteed

For example, Beijing, Shandong, Tianjin and Guangdong and other developed provinces and cities, their average annual yield of bank financial products is above 4.11%, ahead of other regions.

Last month, a total of 7523 closed, non structured, expected revenue products were due to expire, and 3820 products with due yield were announced.

Of these, only 5 did not achieve the expected maximum yield.

In the same month, there were 497 structural products, and 81 products were released.

Among them, the 22 products did not realize the intermediate value of the income interval.

According to the monitoring data of Puyi standard, a total of 312 banks issued 7175 closed-end expected yield RMB financial products in June, although the number of issuing banks decreased by 14 compared with the previous month, but the number of products issued increased by 55.

It is worth noting that the city commercial bank has once again become the overlord of the bank in the market of financial products.

It is far ahead of other types of banks, accounting for half of the total circulation of all banks, and the number of issued banks has increased by 3.6 percentage points in comparison with other banks.

In the closed, expected revenue managed RMB products issued by the state, 839 state-controlled banks were issued, 0.50 percentage points down to 11.69%, and 983 joint stock commercial banks, 1.95 percentage points down to 13.70%. The city commercial banks issued 3438 shares, a 3.60 percentage point increase to 47.92%, while the rural financial institutions issued 1855 shares, with a decrease of 1.21 percentage points to 1.21.

From the point of view of profitability, city commercial banks are still attractive, especially in non guaranteed financial products.

In June, the annual yield of all non guaranteed financial products issued by city commercial banks was over 4%, except for the average yield of more than one year, slightly lower than that of joint-stock banks.

For a long time, the annualized yield of bank financial products is related to the size of the issuing bank, in addition to the difference between guaranteed capital and non guaranteed products.

Relatively speaking, city commercial bank's financial products.

It is generally higher than that of state-owned enterprises.

Now, according to statistical data, the factors that affect the yield of bank financial products are also directly related to the distribution area.

According to the monitoring data of Puyi standard, in June, 6 provinces in the 31 provinces of the statistics issued products, the yield of guaranteed bank financial products increased, and the yield of guaranteed products in 25 provinces decreased, while the yield of non guaranteed bank financial products in all provinces decreased.

Among them, the average rate of return on the products of the closed-end expected revenue type products in the province is Fujian, Shanxi and Qinghai provinces, which are 3.58%, 3.41% and 3.39% respectively.

In the case of non guaranteed, closed ended expected yield products, the average yield of the provinces and cities with the highest economic strength is among the best. Among them, Shandong, Tianjin, Beijing and Guangdong are all earning more than 4.11%.