Financial product yields are now upside down

Financial products yield industry income

beijingshangbao· 2016-05-24 06:39:06

such a state has become a common phenomenon in the industry. From the Pu Yi standard statistical data show that below the April commercial banks to issue 1 month, 3 months, 6 months, 6-12 months of fixed income financial products average expected annual yield of 3.71%, 4.01%, 4.1%, 4.2%, respectively, and more than 1 year of similar financial products on average expected annual return rate was 4.17%, compared with long-term (6-12 months) product revenue rate slightly lower.

in fact, financial products yield examples had also appeared upside down. For example, at the end of the year approaching assessment of bank and financial rate of return had appeared upside down, some banks especially small and medium-sized joint-stock banks by increasing short-term financial products revenue rate of retention and funds to attract customers. But now is not a special point at the end of the season, at the end of the financial market, so why returns the situation upside down? A banking source said that in monetary policy tends to under the loose environment, in order to avoid interest rate risk reduction, bank financial products in the design will reduce long-term product yields, otherwise once investors ahead of locking in a high income, Bank of a product that is not easy to make money even at a loss. < p > Pu Yi standard researcher Fu Mei Lin in an interview with the Beijing Daily reporter said that banks will consider the existence of the interest rate risk of long-term financial products, current assets yields continued to decline, in order to respond to future capital gains rate to fall further, the bank will conservative setting long-term physical and financial products yields. < p > forest Formica further revealed that compared to for individual investors to issue financial products, the bank institutions, industry launched financial products revenue upside down for more obvious, which is mainly in order to control the risk caused by the uncertainty of market in the future, the longer duration of the uncertainty, the bank issued to long-term products will be more conservative pricing ". < for individual investors, although slightly higher than long-term products issued by some banks in the short-term financial products revenue rate, but after the expiration of the products can continued to buy and before yields as high as that of the products, is still unknown, once the central bank to cut interest rates again, financial market rate of return will further decline, so if the capital in quite a long period of time are in the idle state, then buy long-term product is still a wise move. Hu Hu / tab

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