The stock market is not hot, market regulation, capital-intensive get together and start wealth management market.
bank said that financial market conditions are hot, the product basically sold out less than two days on sale. Although the enthusiasm of customers to purchase financial products is high, but short-term trend of wealth management products is obvious.
products have been widely favored customers. Recently a number of banks have issued a notice to the running of financial products to increase yield.
which the bank's announcement that seven days of rolling over short-term based on personal renminbi wealth management products and product specification management agreed and decided to products of the expected maximum annual rate of return of money from the previous one: 5 fancy raised 1 75 to see the money. The Construction Bank, Shanghai Pudong Development Bank of China and other banks recently released financial products are expected to yield also increased to some extent.
financial manager of a bank said that the current financial products are mainly invested in credit products, bonds and money market. Now the higher cost of capital, driving the yield financial products rising.
example, the current continued to tighten credit resources, the bank base lending rates high in the benchmark interest rates go up 1 through 3 to see the high view, this will inevitably lead to the current credit class financial products revenue rose. In addition, reserve ratio increases due to the recent inter-bank market interest rates remain high. Data show that from last Monday to Wednesday, the interbank market interest rate has been 7 days shibor in: see above, so that the appropriate financial products for sale this week, the yield is also a certain degree of increase.
financial manager of the bank said the reserve ratio adjustment, the possibility of future changes in interest rates decrease, in the short-term monetary policy to usher in a vacuum background, the Bank issued notes to stabilize the low interest rate line; currency market repurchase rate remained stable, less adjustment; shibor also stabilized the overall decrease of limited range. With the low level of investment targets income adjusted for some time to bond and money market financial products, the level of income will be flat or slightly down.
pattern of short-term is still
a bank official said, on the one hand the end of the Spring Festival holiday, commercial banks began to gradually restore the issue of financial products; other hand, with the changing external economic environment , China's economy will adjust over time in the stage of market volatility is still high, so more conservative commercial banks, increasing the bond and money market financial products distribution efforts.
this year, bond and money market financial products in a month following the proportion of ultra-short-term products remains high, showing that in the current policy and the global financial environment, the market's long-term commercial bank trends difficult to predict, and thus limit the design of the product became more cautious.
bond market is currently going through an adjustment period, commercial banks in the investment strategy should also avoid becoming a short length, the investment in these financial products to take a more defensive allocation strategies to shorten the portfolio duration and reduce the risk exposure . Meanwhile, commercial banks pay more attention to the liquidity of financial product design.
customer Wang said in an interview, and now the domestic economy has entered into interest rate cycle, the expected changes in monetary policy for some time to become more frequent, the current six-month deposit interest rate of 2 8 to see the money, while the same period financial products will yield 4 to see. If interest rates next six months, two to three experts, each raised by 25 basis points, so that the basic interest rate was erased. Wang is now more inclined to 1 month to 3-month period of financial products, capital and flexible configuration to become the most valued things present Pharaoh.
bank said that the rate hike cycle, the promotion of savings or financial To attract investors, the bank's new fixed income or stable-income financial products generally expected return an appropriate increase in number than the old products. Thus, a longer period of up to select the financial products, such as so will their
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