Festive Exclusive Financial Products Encountered Cold Current How To Do

Since the beginning of this year, the downward trend of bank wealth management products has become normal. Even the "holiday" financial products that have been pushed by banks in previous years have not been able to achieve higher returns. Many investors waiting for the "May 1" holiday to buy high-yield financial products have said, "this year is very disappointed." It is understood that this year's "May 1" small holiday, labor, agriculture, China, construction, and the five major banks did not launch holiday exclusive financial products, many small and medium-sized banks have not launched similar products.

At present, the yield of financial products issued by the small and medium-sized banks is higher than that of the big state-owned banks, basically maintained at over 4%, while most of the financial products issued by the five major banks have a yield of 3%-4%. Last year many families Bank Launched a high-yield "51" exclusive financial products, some products expected annual yield is even higher than usual 1 percentage points, the expected annual yield is generally between 5% and 6%.

According to past experience, in the past, most commercial banks' financial management "will be close to each other" - they will sell related exclusive financial products during holidays, and this year's "51" bank financial market is "a bit cold". Reporters visited a number of bank outlets found that most banks in the sale of financial products did not play the "holiday card", an annual yield of 4.6% "higher yield" products have become a hot "star."

"Festive financial products are scarce," minutes after "robbed", in previous years, festivals, various concepts of bank financial products flooded the market, sometimes hate to create "Festival" to issue. financial products " Insiders say that this year, the situation has changed completely. Even with the "51" "mother's Day" festival, there are few banks offering holiday products.

"There are many reasons, but there are two main reasons. On the one hand, under the background of lowering interest rates, market interest rates are constantly downhill. On the other hand, it is abolished the deposit loan ratio assessment. Banks are in spanition. They do not need to retain deposits as high as before." A bank financial officer said.

Visible though Rate of return All the way down, but because the purchase of bank financial products is still the main channel for many people to invest, and fewer and fewer new products, naturally easy to cause looting. During the May 1 issue, a financial product with an expected annual yield of 4.8% was robbed of "minutes".

Data show that last week there were 985 bank financial products sold in China, with an average investment period of 136 days. Among them, the RMB non structural financial products sold 887 cumulative, the average expected rate of return is 3.93%, compared with the previous week dropped 0.03 percentage points. Meanwhile, this Sunday is mother's day. Some banks launch mother's Day series before the festival. financial products 。 But the overall income is not high, and some have investment threshold.

For example, the Bank of China launched the "steady Tili Li maternal love Thanksgiving edition" is mother's day exclusive financial products, the newly signed customers can enjoy 38 days deadline, 3.9% expected rate of return exclusive privilege. Although the expected rate of return of financial products has been declining, the expected rate of return this week is still around 4%. Bohai bank's "Bosheng 348" and "Bo Sheng 350" still maintain a high expected rate of return of 4.6%.

If customers buy bank of China's "stable bank of China", they can immediately receive the next quarter's financial products after they expire. Shanghai Pudong Development Bank's "QQ" financing period of 90 days can enjoy 4.15% of the expected rate of return, but it needs to be reminded that the sale time of this financial product is only 8 o'clock every Monday night to 8 o'clock every Tuesday morning.

In addition, these people reminded that in the past, when rigid payment and risk exposure were not particularly sufficient, consumers paid more attention to the yield rate, and thought that the higher the yield, the better the financial products, and the less concerned about the risk of the product. But from the investor's point of view, we should pay more attention to the rate of return. We should pay more attention to the risk situation, especially in the case of gradual return of the yield.