How to deal with the decline of bank financial management yield ranking of bank financial products in 2018
4hw.com.cn: financial management has always been a concern of people. The poor market situation in recent years makes many people worry when choosing financial products. So which financial product is good in 2018? Let's look at the 2018 ranking of bank financial products.
Yield of bank financial products
In September, the circulation of bank financial products totaled 10452, a decrease of 1455 compared with August, a month on month decrease of 12.22% and a year-on-year decrease of 17.62%. The average expected annualized yield of financial products was 4.58%, down 0.09 percentage points from August, falling for seven consecutive months.
In October, the yield of bank financial products continued to decline. According to the monitoring data of Puyi standard, from October 20 to 26, 283 banks issued 1477 bank financial products (including closed expected return products, open expected return products and net value products), the number of issuing banks increased by 5 and the circulation of products decreased by 2. Among them, the average yield of closed-end expected return RMB products was 4.46%, a decrease of 0.01% compared with the previous period.
'at present, most financial products are closed and expected return. State owned banks and large and medium-sized joint-stock banks issue relatively more open and net worth products, and local banks basically issue closed expected income products. " Insiders told the China Securities Journal.
Industry insiders pointed out that the continuous decline in the yield of bank financial management is mainly due to the steady and slightly loose monetary policy, abundant capital liquidity and falling market interest rates. Monetary policy will remain relatively loose for some time in the future. In the next 1-2 years, the bank's financial yield will be in a downward trend or hovering at a low level.
Professionals believe that the overall yield of bank financial products fell, but the decline rate was slower than that of yu'e Bao and other commodity bases. On the one hand, at present, the short-term interest rate in the financial market has fallen relatively fast, resulting in a rapid decline in the return on short-term assets allocated by banks. On the other hand, subject to compliance requirements, it is prudent to invest in non-standard or traditional high-yield assets in new assets. " At present, these two factors have not been greatly reversed. In the absence of innovative products, it is difficult to improve the yield of bank financial products. " He said.
Although the income of bank financial products has been falling, the income of yu'e Bao has fallen below 2.5%, but the income of bank financial products is still more than 3.0%, so it is still necessary to put it in bank financial products.