With the return of market capital to ease, the yield of bank financial products slipped again at the end of 2014.

According to the bank's statistics, the average expected earnings of RMB financial products issued by banks during the first week of the new year are only 5.27%.

Experts suggest that residents should increase the allocation of medium and long-term financial products, locking financial returns.

In from January 3rd to 9th, a total of 781 RMB non structured financial products were sold in banking institutions. The average expected rate of return of financial products of various commercial banks has been reduced. Among them, the average expected yield of financial products of state-owned commercial banks has dropped to below 5%.

In terms of the type of installment, except for the investment period above 1 years.

In addition, the average expected yield of all other financial products of all maturities declined, with the largest reduction in financial products within 1 months, compared with last week, 0.32%.

Wuhan rural commercial bank financial planner Yang Shuheng believes that in the future China will also usher in a rate cut window, deposit interest rate and related financial income will further decline.

Products are no longer a good choice.

She suggests that investors should pay more attention to long-term and reasonable asset allocation, choose medium and long term financial products, and fix the absolute investment income under the premise of storing liquidity funds well.

However, there are also people in the industry who have analyzed the limited earnings of recent financial products.

Niu Wen said, at the beginning of the new year, the stock market IPO heat will not decrease. Next week, 22 new shares will start buying, the ability to absorb gold should not be underestimated. In addition, the central bank will continue to suspend the open market operation, and the market liquidity is also not optimistic.

Overall, the expected yield of financial products will remain moderate in January, and financial products will still have more opportunities to purchase. Investors are advised to actively grasp investment opportunities.

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Now the city's uploaded statement, the income of the balance treasure is not as high as before.

However, Reed, a financial planner, believes that there is no harm in it.

For large institutions whose capital turnover has always been very strong, they can assume part of the responsibility of financial institutions.

In order to promote the market, the balance treasure has set the rate of return relatively high. Although the rate of return has been reduced, its advantages such as flexibility, low threshold and convenient operation have not been obliterated, so it still has some value.

Jifeng Reed financial planners want to make a statement about why the yield of financial products such as balance treasure will be reduced.

At the end of December last year, the central bank will issue the notice on matters relating to deposit reserve adjustment policy and interest rate management policy to commercial banks. The main content is to pfer the interbank deposits of non depository financial institutions to general deposit management. That is to say, the deposit interest rate required for this part also needs to be restricted by the central bank and incorporated into the deposit loan ratio management.

At the same time, other provisions were made to give a kind of hole to such institutions: these special deposits do not need to pay deposit reserves for the time being.

Reed, a financial planner, believes that these moves make money more liquid in the market.

Balance treasure is also a monetary fund of non-financial institutions.

The purpose of the central move is still very obvious. It is not aimed at striking the balance of treasure, but rather by reducing the flow cost of money. Otherwise, it is also a money based financial product or fund that allows the currency to have arbitrage space under the premise of constant financing cost, and speculators are eager to disrupt the normal investment.

In the absence of printing money, increase market liquidity and reduce the average reserve requirement.

In fact, there is a logic in this series of measures: encouraging loans, going to bubbles, and encouraging investment.

All short-term arbitrage is short and the return of all financial products will eventually return to their original attributes.

The nature of IMF can not have the yield of short-term financial products for a long time, because it must have one-to-one correspondence to make the market operate normally. Otherwise, it is like a train running on two tracks, and there is always a risk of capsizing.