Bank Innovation And Reasoning Platform For Pfer Of Financial Products

The overall performance of the real economy still has no obvious improvement. The risk of the real estate market in the first tier cities is bigger, and the performance of the equity market is not clear enough, which determines that bank financing will still be an important investment direction for ordinary investors.

"Private banks issued exclusive products for high net worth customers, pricing strategies are more scientific, exclusive products and exclusive circulation products in the second half of the year may increase."

Wei Jiyao thinks.

Yan Zi Jie said that since last year, there are three major trends in bank financial products: first, the increase in circulation and scale growth; two, the continued decline in yields; three, the proportion of non guaranteed products has increased to more than 70%, and the number of open products has gradually increased.

"In the second half of 2016, the overall trend will remain, but the rate of decline in the yield will narrow, and the growth of the circulation of open products may accelerate."

For investment proposals in the second half of the year,

It is considered that under the overall downward trend of average returns, investors with low liquidity requirements can select and compare some medium and long term non structured financial products with higher returns, and then decide; for investors with high liquidity requirements, the open financial products issued by some banks are subject to different levels of return on the basis of the duration of the holding period, and the workdays can be redeemed, with both liquidity and higher investment returns, which is worth considering.

The report of Puri standard emphasized the first half of 2016.

We have intensified supervision over bank financing.

In the first quarter of 2016, Shang Fulin, chairman of the CBRC, said that in addition to the fact that there were some small institutions that had difficulty in implementing the rural cooperative organizations and village banks, other banking financial institutions selling financial products and affiliate products should synchronize their own financial products with the sales process of the consignment products.

The development of "double records" is seen as a better way to avoid misleading sales and other problems. At the same time, it can really cultivate investors' sense of risk and lay a solid foundation for the healthy development of bank financing business.

At the same time, due to

The impact of multiple factors, such as declining earnings, financial cost upside down and difficult to find high-quality assets, has become a hot topic in the bank financial market.

In response to this upsurge, the CBRC did not formally publish its documents, but it also took preventive measures.

In the two quarter, the CBRC conducted a window guidance to all banks issuing classified financial products, and called for the stop of the newly issued classified financial products.

The move is mainly aimed at the hidden problems of bank outsourcing funds plus the debt market benefits brought by leverage into the bond market. This shows that the CBRC is concerned about emerging hotspots and vigilant for possible problems.

"In the face of the rapid development of outsourcing business, the CBRC is likely to develop relevant norms in the second half of the year.

Based on the clearer idea of mixed operation, the relevant regulations will guide the development of related businesses.

Wei Jiyao said.

According to the standard report, the probability of continuing interest rate reduction in the second half of 2016 is less, and the possibility of falling again in the second half of 2016 is also greatly reduced as up to 6 rates of interest rate reduction in 2015 have kept the market interest rate at a lower level and the liquidity of the banking system is relatively abundant.

The expected reduction in interest rates and downgrades will help banks to stabilize their yield levels to a certain extent.

Although from the first half of 2016, the overall rate of return continued to maintain a relatively clear downward trend. However, since April, the decline in the yields of some regions and some banks has slowed down. By June, the overall rate of return has slowed down significantly due to the effect of the mid year point effect.

"We also noted that some banks have launched online or offline financial products pfer platform to provide customers with financial products pfer services, and even provide customers with the services of their counterparties.

The pferability of financial products has greatly improved the liquidity of bank financial products, improved the liquidity risk of customers, and enhanced the attractiveness of financial products.

Wei Jiyao analysis said.