Bank Financing Should Seize The Best Opportunity As Early As Possible.

The yield of bank financial products has been declining.

CICC report believes that the yield of bank financial products may start a new round of reduction in the first quarter, because at the end of the asset end yield continues to decline, and the stock interest rate assets are gradually expiring, bank financing has already lost money on the marginal capital, if the one or two quarter does not reduce the financial return rate, the entire financial pool will face the risk of loss.

At the beginning of the new year, the yield of bank financial products has dropped considerably, which is mainly affected by two factors: on the one hand, after the end of the year-end assessment, the funds are suddenly relaxed; on the other hand, influenced by the stock market adjustment, the market risk aversion is warming, and the current economic downward pressure is increasing.

In 2016, the overall trend of bank financial income remained unchanged. The expected decline in the future will gradually narrow down. For financial products investors, it is not too late to buy money this year.

There are 25 financial products within 7 days, Zhou Jun

Reaching 3.46%, the annulus ratio decreased by 0.11%; the financial products from 8 days to 14 days period had a total of 13 products, the weekly average yield was 3.83%, the annulus rate increased by 0.02%; the 15 days to 1 months period, the financial products only issued 1 items, the expected yield was 2.9%, the ratio was lower than the average.

A total of 255 items were issued, including 86 financial products for 12 months or more, with a weekly average yield of 4% and a decrease of 0.18% in the annulus.

Judging from the type of issuing banks, the highest expected yield of each period is mostly from joint-stock commercial banks.

The types of high expected return are all guaranteed floating income and non guaranteed capital floating types.

Judging from the highest expected yield of each specific period, a non guaranteed floating income product of Bank of communications won the first place from 1 months to 3 months with an expected yield of 8.7%, a guaranteed break of Quanzhou rural commercial bank.

The expected yield of 7% will be 6 months to 12 months, with the highest yield.

In 2015, the gold market has been hovering in the "bear market" for 3 consecutive years. Although the international gold price rose in the first week of 2016, the gold price in 2016 was generally not optimistic in the industry.

Gold market suffered "cold winter", but at the beginning of the end of the year, major banks launched monkey gold products in succession.

At present, some consumers' attention has shifted from ordinary gold ornaments to bank solid gold products.

An industry engaged in financial products for many years believes that, in general, the gold products of banks and the gold sold in gold jewelry stores in the market comply with the law of international gold prices.

It's just that the gold products of banks can be regarded as more memorable because their products are mostly designed according to solar terms, years and events.

But such investments require professional research. For ordinary consumers, they rely more on luck.