Financial Products Revenue Continued To Decline In 2015 Or

In 2014, bank financial products once again brought rich investment returns to the ordinary people. However, it is worth noting that with the decline in the yield of money market, the yield of bank financial products showed a downward trend in 2014, and this trend is likely to continue in 2015.

A few days ago, the annual report of the 2014 bank financial market published by Yin Fang net showed that the average expected yield of RMB non institutional financial products in 2014 showed a downward trend.

The peak reached 5.74% in January, then steadily declined until the lowest point of 5.02% in November.

In December, influenced by the "year-end effect" and the stock market suction effect, the yield reached the top of 5.2%, but it was still 0.54 percentage points different from the peak of the year.

Silver rate network analyst said that from the year 2015, the yield of financial products will continue to decline, but there will still be investment opportunities before February, and the public may wish to pay more attention to it.

According to the statistics, 178 commercial banks issued 60911 financial products in 2014, an increase of nearly 30% compared with 2013.

Among them, joint-stock banks and city commercial banks have the largest circulation, occupying more than 60% of the total.

The number of financial products issued by rural cooperative financial institutions doubled in 2013.

From the point of view of yield, the average expected yield of RMB non institutional financial products in 2014 showed a downward trend.

The peak reached 5.74% in January, then steadily declined until the lowest point of 5.02% in November.

In December, influenced by the "year-end effect" and the stock market suction effect, the yield reached the top of 5.2%, but it was still 0.54 percentage points different from the peak of the year.

In terms of investment duration, although the issuance of financial products within 3 months is more than half of the total issue, the growth of medium and long term financial products is more obvious.

The issuance of financial products with investment period of 3-6 months, 6-12 months and more than 1 years has increased by more than 40% over 2013.

What is more noteworthy is that the average investment period of financial products whose expected rate of return reaches or exceeds 6% in 2014 is 253 days, while the average value in 2013 is only 130 days.

Recent earnings decline in financial products

Investor Sun said that the yield of financial products has shrunk after new year's day.

"I have recently issued year-end bonuses, so I am very concerned about the profitability of bank financing."

Miss Sun said that before the new year's day, there were quite a few products expected to yield an annual yield of 6%. Banks seemed to have some promotional activities. With the passage of time, the yield of current financial products seems to be getting lower and lower. Most of them only have a little more than 5%, and almost 6% products can not be found.

According to the latest monitoring data of Puyi wealth, 203 of the financial products issued last week were guaranteed floating and guaranteed revenue products, accounting for 24.55% of the market, 624 of the non guaranteed financial products, and 75.45% of the market.

The average expected rate of return for financial products is 5.28%, of which,

In 6% and above, there are 84 financial products, the market share is 10.16%, and the ratio is down 2.70 percentage points.

Financial advisers believe that by the new regulations of the central bank and the loose assets of banks, the yield of bank financial products will show a downward trend, which is in line with the market behavior. The high yield financial products will probably be less and less in the future.

However, before the Spring Festival, there will be another "holiday effect". Banks will launch holiday exclusive financial products to "draw" customers, so investors are advised to make financial planning according to the needs of funds and the matching of their needs.

Bank analysts believe that there is a good chance of opening in 2015. The market liquidity is not easy in January. In February, it is also facing the Spring Festival holiday. Financial products still have a good opportunity to buy, but from 2015 2015, the yield of financial products will continue to decline.

On the one hand, the biggest problem facing the economy is the lack of endogenous motivation. The central bank will need to implement more relaxed monetary policy in 2015 to stimulate economic development.

In a relaxed monetary environment, the yield of bank financial products is hard to go against the trend.

On the other hand, regulators issued a number of policies in 2014, which directly or indirectly had a huge impact on bank financial products.

In view of the importance of supervision and guidance, financial products in the future may face more innovation, and the mainstream products may become a bright future.

In addition, financial planners also remind us that although the interest rate market will be loose as a whole, there may also be a situation in which funds are needed badly in the short term and the rate of return is high.

That is to say, there may be "short-term upside down" phenomenon of financial products in the future, that is, the earnings of short-term financial products may be higher than that of long term products. Therefore, it is necessary to remind people that when buying financial products, they need to keep more eyes on themselves. Not all long-term products are winning with high returns.