In The Year Of The Rabbit, The Financial Management Is Cold And Hot, &Nbsp.

Yesterday, the first year of the year of the rabbit national debt certificate sale, like yesterday's weather, the national debt was cold air on the first day of the Hangzhou open sale - very few buyers.

In sharp contrast to the sale of treasury bonds, many new products are often sold out in less than half an hour.

The reason is quite clear: they all play a role in the rate of return.

Despite the increase in the coupon interest rate of new bonds this year, the financial products launched by banks are expected to have higher returns. In addition, interest rate expectations are still strong, and the longer term treasury bonds are obviously not popular with the public.

Guo Jian, general manager of the wealth management department of Pudong Development Bank, Hangzhou branch, introduces that there are few clients in his wealth center to inquire about treasury bonds, but there are still a few ordinary customers on the first floor of the business hall.

As of yesterday's work hours, the sales outlets sold only a few hundred thousand yuan of treasury bonds.

At the peak of the sale of treasury bonds in the past, sometimes it could sell millions of dollars in an hour.

The interest rate of the current treasury bond is not obvious compared to the bank deposits in the same period. The one-year treasury bond is 0.45 percentage points higher, the three year treasury bond is 0.68 percentage points higher, the five year treasury bond is 0.75 percentage points higher, the one-year treasury bond is 0.45 percentage points higher.

If the 10 thousand yuan fund is saved for one year, the yield of the one-year treasury bonds will only be more than 45 yuan.

"Short term financial products sell very fast, often sold out in half an hour."

ICBC's Zhejiang provincial branch told reporters.

Zhejiang branch of the ABC branch of the business department also said that a financial product was sold out in just a few hours, and some outlets sold out in just a few minutes.

Sales of high-end financial products starting from millions of dollars are also very popular.

CITIC Bank Hangzhou branch recently launched several financial products, the lowest starting point to sell 3 million starting, the basic annualized rate of return is above 5%, customers have to make an appointment in advance to buy.

According to the reporter's understanding, the deposit reserve ratio has been raised for many times, resulting in many banks' tight funds. Therefore, the short-term and short-term financial products launched by banks are getting higher and higher.