Bank Earnings Or Further Decline

As market risks rise, the risk of bank financing is also improving.

Over the past year, in addition to the early termination of some financial products, there are still some non structured financial products that can not achieve the highest expected return due to maturity, and there is uncertainty in the future of bank financing in rigid payment.

Some investors remind investors that the rate of return may differ from the expected rate of return, which is what investors need to pay attention to when they invest.

If you want to get more secure returns, structured financial products may not be suitable, and more fixed income products are recommended.

Data show that in April, a total of 7634 bank financial products were issued, of which 4324 products were issued with due yield.

Of the products that reported the yield to maturity, 101 did not achieve the expected maximum yield, of which 79 were structured products, 21 were bonds and money market products, and 1 were portfolio investment categories.

Among the structured products, there are 11 pegged exchange rates, 37 hooking indices, 25 linked prices, 5 linked stocks, and 1 linked gold.

Yan Zi said

Investors need to increase risks at this stage.

Because some non guaranteed financial products are broken by the "black swan" incident in the bond market, investors need to guard against such risks.

According to the April monthly report issued by Puyi standard bank financial market (hereinafter referred to as the monthly report), 330 banks issued 7398 personal financial products in April, and the number of products issued was reduced by 381 compared with the previous period, with a decrease of 4.9% compared with the central bank in 2016.

It is worth noting that the three year treasury bonds issued in May 10th are 3.9% in face value and five in the annual treasury bonds at 4.32%.

That is to say, although the overall yield level of financial products has declined, there are still some medium and long term financial products in some banks whose yield is higher than that of the 3 year treasury bonds.

According to statistics, the average yield of these 7398 bank financial products is 4.04%, of which 71 products are expected to have a maximum yield of 6% and above, accounting for 0.96%.

In the case of fixed income RMB financial products, 6826 items were issued in April.

Among them, 1 months less than 81 financial products, average

For 3.71%, the annulus rose by 0.28 percentage points; 1 months to 3 months of financial products 3534, the average expected rate of return was 4.01%, the ratio fell 0.09 percentage points; 3 months to 6 months of financial products 2050, the average expected rate of return was 4.10%, a decline of 2050 percentage points; from the month of the month to the year of the financial products, the average expected rate of return was, the ratio fell by a percentage point.

In addition, in the banks that issue fixed income RMB financial products, the enthusiasm of city commercial banks is the highest, and the rate of return of their products is the highest among all kinds of banks.

Data show that in April, city commercial banks issued 3086 fixed income financial products, with an average expected rate of return of 4.22%, a decrease of 0.10 percentage points. The joint-stock commercial banks issued 1044 items, with an average expected rate of return of 4.09%, a decrease of 0.09 percentage points. The state-owned banks issued 770 models, with an average expected rate of return of 3.64%, a decrease of 0.10 percentage points, a rural financial institution issuing 1865 shares, an average expected rate of return of 4% percentage points, a decrease of 0.10 percentage points, and an average yield of foreign banks issuing an average yield of 19%.