Bank push national day short-term financial products average expected rate of return rose – Sohu fin-纪元1701

Bank push national day short-term financial products average expected rate of return rising – Sohu financial National Day holiday is coming, many olfactory keen investors are looking for short-term higher income of short-term financial products, to undertake the stock market, bond and other guard funds. It is worth noting that, near the end of the three quarter, the market funds have been tense, the market interest rate rise also led to a variety of financial products yield rose slightly. Universal wealth statistics show that last week, the 23 provinces of the guaranteed asset banking products yield increased QoQ, including Guangdong province. However, the yield of non guaranteed products continued to decline, and the average expected return rate of the guaranteed financial products of banks in Guangdong was 3.17%. Short term financial gains jumped slightly, although the yield of bank financial products fell steadily this year. But at the end of day approaching, the tension of recent market short-term funds plus last week, many short-term baby class financial products yields jumped, in addition, many banks have launched a "national exclusive gimmick short-term products", short-term financial gains rate with tight liquidity in the market rose slightly. Reporters saw, Tencent’s financial management through a monetary fund, China Fortune treasure Monetary Fund since last week, seven days of annual yield jumped up, from the past 2.73% or so, up to the latest 5.3%. South Fund Cash pass E nearly seven days annualized yield also rose to 4.5%. Bank, Shanghai Pudong Development Bank in the sale of T+0 to T+2 short-term financial products revenue is about 3.3% – 3.7%, much higher than the previous baby Internet goods base yield. And Huaxia Bank recently pushed 36 days, 50 thousand starting point of short-term financial products expected annual yield can reach 3.75%, with the 63 day product yield unchanged. Everbright Bank also launched a 101 day investment starting point of 50 thousand yuan of National Day products, expected annual yield of 3.88%. According to the universal standard statistics show that last week, the joint-stock banks issued financial products, the average expected return of less than 3 months, the breakeven is 2.97% 3.87%, 3 months to 6 months to 3.03% 3.95%. Compared to joint-stock banks and state-owned small banks and agricultural firms in the financial products yield will be higher. The following 3 months guaranteed financial products the average expected rate of return to 3.21%3.43%. City Commercial Bank non guaranteed 3 months short-term product average expected yield of 4%. In fact, some foreign banks are also facing business pressure. Recently, Mr. Guo in a foreign white-collar workers of state enterprises for swap, guaranteed financial products are also recommended a expected revenue can reach 5%, the product raising period before September 28th, the threshold is 400 thousand. "Customer manager gave me a sum of money, 400 thousand yuan, two months of financial return rate is more than 3300 yuan."." Mr. Guo told reporters that for a long time had not encountered such a high yield of financial products. And the bank customer manager is honest, this product is the bank to recruit new customers to complete quarterly assessment launched. "As a result of this new index at the end of the season before we take a customer." The above customer manager expresses. Interbank market)

银行推国庆短期理财产品 平均预期收益率微涨-搜狐理财  国庆假期即将到来,不少嗅觉敏锐的投资人都在寻找节前较高收益的短期理财产品承接股市、债市等站岗资金。值得注意的是,临近三季度末,市场资金面有所紧张,市场利率上升也全面带动了各种理财产品收益率小幅上扬。普益财富统计显示,上周23个省份的保本型银行理财产品收益率实现环比上涨,包括广东省在内。但非保本类产品收益率继续下降,广东省各家银行发现的保本类银行理财产品平均预期收益率为3.17%。   短期理财收益小幅跳涨   虽然今年以来银行理财产品收益率节节下滑。但临近国庆末,加上近期市场短期资金紧张,上周不少短期宝宝类理财产品出现收益率跳涨,此外,多家银行也推出了打着“国庆专属”的噱头短期产品,短期理财收益率随着市场流动性偏紧稍微有所上扬。   记者看到,腾讯旗下理财通的一款货币基金华夏财富宝货币基金从上周开始七日年化收益率就出现跳涨,从过去的2.73%左右,涨至最新的5.3%。南方基金现金通E近七日年化收益率也涨至4.5%。   银行方面,浦发银行在售的T+0至T+2的短期理财产品收益约在3.3%―3.7%,比此前不少宝宝类互联网货基收益率高出不少。而华夏银行近期推的36天5万起点的短期理财产品预期年化收益率也能达到3.75%,与63天产品收益率持平。光大银行也推出了一款101天,投资起点5万元的国庆节产品,预期年化收益率为3.88%。据普益标准统计显示,上周股份制银行发行的理财产品,3个月以下的平均预期收益率,保本 非保本分别为2.97% 3.87%,3个月至6个月为3.03% 3.95%。   相比股份制银行和国有行中小城商行和农商行的理财产品收益率会更高。3个月以下保本理财产品平均预期收益率可到3.21%-3.43%。城商行非保本类3个月短期产品平均预期收益率可到达4%。   事实上,部分外资行也面临着业务压力。近日,国企白领郭先生在某外资行换汇时,也被推荐了一款预期收益能达到5%的保本型理财产品,产品募集期在9月28日前,门槛为40万。   “客户经理给我算了一笔账,40万元两个月理财收益率就有3300多元。”郭先生对记者说,很久没有遇到过这么高收益的理财产品了。而该银行客户经理坦诚,这款产品是银行为招募新客户完成季度考核专门推出的。“由于季末新客户这项指标没过,我们要冲一下。”上述客户经理表示。   银行间市场利率上行   由于三季度季末银行又即将面临宏观审慎评估体系(MPA)考核,叠加过节效应,上周SHIBOR全面上升。虽然上周央行加大力度投放基础货币,跨节资金需求紧张有所缓解,但资金面仍然偏紧。   上周SHIBOR各期限利率较前一周全面上升。尤其周三跨节资金R021和R1M非常紧张,利率分别较上周三大幅上涨32bp和52bp,达3个月以来最高。周五,隔夜Shibor利率涨0.8个基点报2.1670%,连涨十二日;7天Shibor涨0.5个基点报2.4050%;14天Shibor涨0.7个基点报2.5400%;3个月Shibor涨0.19个基点报2.8009%,连涨七日。   周四和周五央行继续扩大资金投放,两日净投放达2400亿,其中28天逆回购投放金额占30%,较为有效地缓解了跨节资金紧张的状况。周五,各期限银行间质押式回购利率较本周四全面下降,R021和R1M单日分别下降15bp和40bp。   整体来看,上周央行使用逆回购净投放7900亿元,3个月国库现金定存中标600亿元,国库现金定存到期800亿元,合计净投放资金7700亿元。央行单周流动性投放量再创今年2月来新高,但资金面依然偏紧。各期限银行理财产品预期收益率小幅波动,涨跌互现。   值得注意的是,央行连续9个交易日逆回购净投放资金1.24万亿元,已超一次降准释放的资金量。但因拉长了资金的期限,资金加权成本显著上升。此外,央行9月连续两周开展3月期国库现金定存,其中3个月国库定存中标利率下行20个基点。   市场流动性仍有短期波动   招商证券分析认为,3个月国库定存中标利率再度下行显示市场对于较长期限的流动性并不缺乏,当前的流动性紧张主要受到短期因素的冲击。海通证券也分析认为,央行近期持续拉长逆回购操作期限,使得银行间货币利率持续上行,种种迹象表明流动性趋紧的警报并未真正解除,但央行也将加大力度抹平流动性波动。市场人士分析认为,季末时段,货币市场流动性可能仍有小幅波动,但不会出现过度紧张。   普益标准数据统计显示,上周,国有银行封闭型保本型理财产品中,3个月以下产品平均预期收益率为3.45%,3个月至6个月为3.41%,6个月至12个月平均预期收益率为3.04%,理财产品平均收益率再次出现了期限倒挂。   事实上,临近季末,各地银行机构除了要完成自身银行给的经验指标,还需要面临监管的各类考核。今年一季度,央行首次启动银行MPA考核,全面考核银行资本和杠杆情况、资产负债情况、流动性、利率定价、信贷政策执行情况等指标。在宏观政策引导方向下,不同达标程度的银行将执行差别存款准备金率。   受考核影响,季末银行都要面临调整广义信贷资产、充实流动性等压力,也造成了今年一季度和年中市场流动性偏紧。券商分析认为,在MPA考核压力下,预计银行间市场流动性仍会受到影响。 (来源:南方日报 作者:黄倩蔚)相关的主题文章: