Bank Financing Is Deserted, Only 6 Of Which Are Over 5% In Sales Of Financial Products.

The downward trend of the yield of RMB financial products will continue in 2016, and the future yield will probably remain at around 4%.

For investors in financial products, this year's investment should not be too late.

At the beginning of 2016, the bank financial market was deserted.

In January 13th, a number of commercial banks interviewed by reporters found that the proceeds of sale and pre-sale of financial products were very "dull", mostly concentrated among 4.35%-5%.

Overall, in the statistics of more than 100 bank financial products, more than 5% of the non structured financial products are only 6, and the city commercial banks and agricultural business banks occupy 5.

The highest yield financial product of Tianfu financial management of Chengdu agricultural commercial bank is expected to yield 5.2%, but the purchase amount is 200 thousand yuan, and it is a non guaranteed floating product.

In addition, the bank issued 3 banks, while Ping An Bank (000001) and Chengdu bank issued 1 models, and the earnings were mostly concentrated at 5%.

Since the beginning of the new year, the yield of bank financial products has been decreasing.

According to the latest statistics of the silver rate network, a total of 879 bank financial products were put on sale last week, of which RMB non structured financial products were on sale 811, with an average expected rate of return of 4.32%, down 0.11 percentage points from the previous week.

Although last November to mid December, by the end of the year effect, the yield of financial products of banks was stable, and even higher yield products appeared. But Puyi wealth researcher Wei Jiyao pointed out that the end of the year

The rise of the yield trend is a manifestation of the time point. It is expected that although the rate of cut interest rate will not be too much in 2016, the possibility of further reduction will be too large. In addition, the situation of asset shortage will hardly be effectively improved in a short period of time, and the rate of return will continue to decline.

"2016

It will remain relatively loose, and liquidity in the market is more abundant. Considering that the application of regulatory policy will be mature, liquidity in local areas and industries will be guaranteed. From a trend, market interest rates will continue to go down, which will lead to lower returns on financial products. "

A person in charge of a commercial bank also expressed similar views.

However, it believes that the impact of the dollar interest rate trend, the domestic interest rate downside has been suppressed, the annual financial product yield may show a "first down and then flat" trend.

Data from Puyi wealth also showed a similar situation.

According to statistics, on January 1st -1 8, the average expected rate of return of bank financial products was 4.37%, 0.06 percentage points lower than that of the previous period.

Among them, the highest expected

In 6% or more financial products only 5, the market share of 0.54%, a decrease of 0.48 percentage points.

At the beginning of the new year, the earnings of bank financial products have dropped considerably.

In this regard, analysts believe that the bank rate network is mainly affected by two factors. First, the banks suddenly relaxed after the end of the year-end assessment; the two is affected by the stock market fuses, the market risk aversion is rising, coupled with the current downturn in the real economy, the market is expected to further reduce the interest rate of the central bank.