Yields dropped lower and lower bank financing also buy ppp13.com

Yields dropped lower and lower bank financing also buy? This year’s banking market is somewhat inferior". At present, financial products yields continued to decline, more than 5% from the beginning of the year dropped to 3%~4%, less than the insurance universal insurance and other financial products, which led to a significant slowdown in the growth rate of bank financial products. However, as a long-term asset allocation products favored by domestic residents, the allocation of bank financing needs to reduce it? "Bank financial products is a good substitute for cash, as a professional financial professionals suggest that this year investment and hold riskless assets more, so that in the future if there is the opportunity to reverse the market, to seize the investment opportunities." Deputy general manager of China Everbright Bank Information Management Department, said pan. Pan Dong believes that both institutions or individuals in the middle class, from this year to change the strategic thinking of asset management or wealth management before – by the active management of a defensive war, safe winter. Buy do not buy? Pu Yi standard monitoring data show that the guaranteed financial products issued in August joint-stock banks 6 months to 12 months of financial products, the average expected rate of return of 3.02%, non guaranteed financial products of 6 to 12 months of financial products, the average expected rate of return of 4.22%, the average income of financial products for more than 12 months the rate is 4.14%. Compared to other financial products, such as insurance universal insurance products yield significantly lower. The yield is low, the enthusiasm of investors to invest in natural decline, the scale of financial products is in a slowdown trend. The official website of the debt issued on board the China Banking financial market report (2016 in the first half) shows that at the end of 2016 at the end of 6, the overall balance of financial products reached $26 trillion and 280 billion in the first half increased by 11.83%. Compared to the first half of 2015 and the second half of the scale of financial growth of 3 trillion and 500 billion yuan and $4 trillion and 980 billion in the first half of this year, the growth rate of $2 trillion and 780 billion slowed significantly. However, in the view of Pan Dong, personal investment, no matter how to configure, must hold a share of cash assets to ensure that this year, of course this is not to say that a bunch of cash at home, but you can put some deposit in the bank. At the same time, with the expected rate of return of financial products is also a good substitute for cash. Due to the current market is more volatile, holding cash, or cash substitutes, will be able to effectively grasp the market opportunities. In fact, this is also a common choice for investors with higher investment capacity. According to the findings of J.D.Power, 2014 ~2016, China public customer number of Internet financial products held by a slight increase; "potential wealthy clients" to hold Internet financial products number increased significantly, the reason is "potentially wealthy clients" financial management actively, can accept financial Internet; however "VIP client" holds the Internet the number of financial products but fall slightly, this part of the customer receives little Internet Financial Holdings ratio decreased, they do not increase the drop of the bank’s financial products interest. VIP customers prefer financial products." A joint-stock bank senior financial manager to the Economic Observer newspaper said that with the mobile banking more intelligent, VIP customers to buy financial products.相关的主题文章: