Proceeds To Play "Diving" &Nbsp; The Number Of Bank Financial Products Issued Sharply Reduced.
"I haven't received the product recommendation letter from the financial manager for a long time.
I went to the bank to see it and found it.
Short-term financial management
The product has been suspended for two weeks. "
For the short-term financial products of banks, "Mr. Liu" in Shanghai is in a fog.
Since the second half of last year, because of the stock market slump, Mr. Liu has begun buying short-term guaranteed financial products at bank outlets.
In the past, every time the manager of bank financing was extremely enthusiastic, he actively recommended various products.
Rapid rate of return diving
"Before the Spring Festival, the yield of bank financial products increased significantly. In the early February, there was a period of 115 days.
Annualized yield
The product is 5.7%. "
Mr Lau originally expected higher returns. But in early March, when he prepared the funds, he found that the rate of return on products jumped rapidly. The annual yield of the guaranteed products in 3 months or so generally dropped to around 4.8%, and the products with an annual yield of 5% were hard to find.
Xiao Li, managing director of financial affairs, said that in recent years, the banking system has been well funded, the demand for loans has been reduced, and the activity of fund lending has declined. Banks' "no bad money" has led to a decrease in the circulation of financial products and a decline in yield. It is not expected that the hot scenes before the Spring Festival will be reproduced in the near future.
Puyi wealth statistics show that from this year's monthly data, short-term financial products yield decline significantly.
In January, the average yield of products under the 1 month period issued by banks was 4.36%, the average yield in February dropped to 4.06%, and from March to March 9th further dropped to 3.40%.
Last week, 27 banks issued only 275 financial products, 49 fewer than the previous week and 17.8% less than the central bank.
Bank loan quota is ample.
According to the analysis of the industry, the impact of liquidity reduction on bank reserve requirement ratio began to appear, interbank offered rate continued to fall, and market liquidity was greatly alleviated. At the same time, CPI's year-on-year fall in February brought loose monetary expectations.
A variety of factors lead to the return of bank financial products is hard to return to the level before the Spring Festival.
Due to ample liquidity and reduced demand for loans, many banks are beginning to face the plight of money nowhere.
"After the Spring Festival, the demand for corporate loans and infrastructure loans declined significantly. The amount of bank loans was ample, and began to re tilt to housing loans. The time of mortgage lending was greatly shortened, and the interest rate of mortgage loans reappeared."
The credit manager of a branch of ICBC Shanghai Pudong told reporters.
For the future trend of the market of bank financial products, insiders say that
Decline in yield
Most of them are short-term financial products, but if the deposit reserve ratio is expected to rise and the market funds are further relaxed, the yield of medium and long term products may also be affected.
However, because agricultural products and commodities are still at a high level, the inflation pressure in the medium and long term is still large, monetary policy will be more prudent, market interest rates will not drop substantially, and the yield of financial products will still have some attraction.
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