Holiday Financial Products Stunt Higher Than Earnings &Nbsp; 10 Thousand Yuan Eight Days Earn 3.62 Yuan.

With "long holidays"

It is understood that Mr. Lin bought a "holiday win" financial product issued by a joint-stock bank.

The product is non guaranteed floating income, with a duration of 8 days and an annual yield of 1.65%.

According to the deadline for liquidation announcement issued by the bank, the reference income per 10000 yuan is only 3.62 yuan (10000 yuan x 1.65%/365 * 8).

After calculating, Mr. Lin found that if the 50 thousand yuan was invested in 7 days' notice deposit, the yield to maturity would be 50000 x 1.35%/365 * 7 yuan and 12.9 yuan.

"Holiday financing products earn more than 5 yuan over 7 days notice deposit, which can inform deposits and guarantee the principal and rate of return. The next time before a long vacation is really a good calculation."

Mr. Lin told reporters.

The low yield of financial products is no longer a novelty. However, the bank's main holiday product returns are still not up to the usual products, which is worth attracting investors' attention.

Reporters found that a large state-owned bank in September 25th launched a National Day holiday special RMB financial products for non guaranteed floating income financial products, for a period of 9 days, the purchase amount of 50 thousand yuan.

The investment direction is high quality enterprise trust financing project that has been set up earlier. The investment proportion is 0-70%; the interbank bond market's treasury bonds, central bank bills, financial bonds, repo, high-grade credit bonds, investment ratio 0-50%, and bank deposits, investment ratio 0-50%, etc.

The maximum expected rate of return for individual customers with a subscription scale of more than 3 million yuan (inclusive) is 2.6%.

The Bank launched a non guaranteed floating RMB financial product in September 16th, with the same investment direction, minimum subscription amount and financial period.

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The difference is that the maximum expected annual yield of individual customers who subscribed for this product above 500 thousand yuan (inclusive) is 2.8%.

According to the earnings analysis data provided by the bank, investors can earn 690.41 yuan by subscribed for 1 million yuan, while the same 1 million yuan subscription can only yield 616.44 yuan for the national day exclusive product.

A financial website analyst pointed out that this holiday exclusive product is only used on the name of the National Day holiday, the product itself is not new.

Tai Lei, a researcher at the financial research center of the Financial Research Institute of the Chinese Academy of Social Sciences, believes that many so-called "holiday financial products" launched by many banks are selling gimmicks.

In his view, the stock market, the market will be closed during the long holiday, the interest rate is very low, many investors are eager to find investment channels.

In this case, commercial banks will not worry about selling products as long as they are slightly packaged, so the innovation and yield of the products will often be discounted.