Various Funds Kill Short Term Financial Products

　　 financial products The choice is directly related to the benefits of financial management, good financial products can make you get twice the result with half the effort, I believe this is also a lot of investment friends are interested to see. But can all products bring this effect? Now look at the market, all kinds of funds spike short-term financial products, this trend reveals two very crucial signals, that is, "short-term earnings" and "financial products."

Billions of dollars of financial products have been sold out in thirty seconds, and so hot scenes are being staged in the near future.

Xiao is also an ordinary employee in a foreign trade company in Shanghai. The recent stock market trend is not very clear. He has heard that some commercial banks are offering short-term financial products with good returns, which is much higher than the fixed deposit rate of the same period, and can guarantee the liquidity of the funds. So they decided to buy 1 million yuan of funds in the bank's property, so that once the stock market is clear, we can grasp the opportunity in time. It is a coincidence that in mid April, Xiao also received the news from the customer manager of China Merchants Bank. He said that the bank was offering several short term financial products with a very high profit recently, but he had no choice but to spend too much time on the Internet.

In fact, not only the financial products of China Merchants Bank, according to reporters from other banks, at present, the bank's financial products with good returns are required to make an appointment in advance and wait in line.

　 Bank short-term financial products blowout

Under the support of vigorous investment demand, it is easy to understand the popularity of short-term financial products issued by banks. In fact, the issuance of bank financial products has been showing a high level since last year. According to the 2010 annual report recently disclosed by banks, the issuance of financial products of all listed banks has increased greatly, and the scale of financial products of the four banks has exceeded one trillion.

After entering 2011, the bank financial products issue will not change. According to the latest statistics of Puyi wealth, in March 2011, 64 banks issued 1402 personal financial products in China, 416 yuan more than in February. In addition to the Spring Festival holiday, Fang Rui, a Puyi wealth researcher, believes that investment in the property market is limited and the stock market is weak. Inflation In the case of high investment, more investment funds will enter. Bank financing market In order to maintain value and increase value, it also promoted the issuance of bank financial products in March.

After entering the interest rate cycle, the bank financial products have been showing a short-term trend, and some ultra short term issuance of bank financial products has increased. According to Puyi wealth statistics, in March, the market share of products below 1 months (inclusive) rose by 0.52%. "The increase in the volume of products under 1 months" reflects that in the market environment where interest rates are raised and the deposit reserve ratio is expected to increase, commercial banks issue more relatively short term products to avoid possible losses of market interest rate risk. Fang Rui said. {page_break}

　　 Rate of return is high.

The reason why investors are keen to purchase short-term financial products is related to the high liquidity of short-term financial products and the high yield of banking financial products in the near future. According to Puyi wealth statistics, the financial products that expired in March due to the annual yield of 5% and above amounted to 53. From the perspective of investment currencies, there are 32 RMB products and 21 Australian dollar products. The products with high yield are mostly bonds and money market, note assets, credit and portfolio. Among them, CITIC Bank's CITIC Trust Scheme 0902 phase is a credit product with a term of 2 years, with a maturity yield of 7.50%.

Affected by the increase in the deposit reserve ratio, the short term funds in the market are more tense now, making the 17 short term products under half a month get a higher annualized yield. They are all bonds and money market classes or portfolio investments. Among them, the Bank of communications's "Delhi Bao Ward Tim Li" 2 days (WT131101) received a 6.355% yield.

At present, the CBRC formally confirms that the daily average loan and loan liquidity level of banks will be monitored monthly. Industry experts analysis, as an important means of bank deposit, the issuance of short-term financial products will be normalized, and under the expected rate of increase, its yield is expected to further increase.