At the end of the first quarter, the market of bank financial products appeared rather cold, and the rate of return had been hovering between 5% and 6%. The financial market is facing challenges under the background of interest rate cuts.

along with equity market Continuously hot, linked to the stock market of bank financial products more. Compared with the expected rate of return of non structured products, which is generally at a level of 5% to 6%, the expected rate of return of such products is usually over 7%, or even more than 10%. However, the structure of such products is complex, and it is not that the stock market is getting more and more profitable. It needs to pay attention to product information such as its specific revenue design. Financial advisers suggest that investors with risk tolerance and relevant investment experience can choose financial products linked to the stock market. Investment In the process, it is better to diversifying funds, for example, a part of the funds invested in the bank financial products linked to the stock market, and the other funds are invested in monetary fund and sound financial products.

The deposit insurance Ordinance will be implemented in May 1st, and deposit insurance will be reimburse with a maximum repayment limit of 500 thousand yuan. For ordinary depositors, the covert country has become a quota. guarantee 。 Although the possibility of bank failure is very small in the short term, except for deposits, the insurance products, funds, trusts and other products sold by banks, as well as investors' funds in bank securities custody accounts, will not be included in deposit insurance. Is the bank financial product purchased in the bank in the deposit protection? The president of a joint-stock bank branch said that even if the bank's financial products promised capital and earnings, it would certainly not be within the scope of the deposit insurance system.

While the rate of return on bank financing is declining, the reform of bank financial market is also accelerating. It is only a matter of time for bank financial products to break the rigid payment. Referring to the more mature models at home and abroad, fund operation and structured financial products will become the way out for the return of bank financial products to asset management. The fund operation mode is also known as the "net value" mode. The product has no expected rate of return. It is open regularly and regularly disclose the net value. Investors can subscribe and redeem the net value and calculate the yield of the last investment week based on the net value of the open day. Because of the fluctuation characteristics of the net value products, investors will face greater difficulties when they choose, which will be more complicated than the expected rate of return in the past.

The industry generally judged that the overall market yield of bank financial products will decrease this year, and the gradual downtrend is the general trend. According to statistics from relevant websites, in March 30th, there were a total of 15 banks' financial products in the expected annual yield of 6.1% (or above), of which 4 were expected to yield more than 7.5%, and two were expected to have a maximum yield of 8%. At the end of the first quarter, the popular market of financial products has not been reproduced. It can be expected that the end of the quarter will be a history of bank financing.

According to statistics from the financial products research center of the financial circles, the weekly yield of financial products this week is expected to reach 5.12%, down 0.12 percentage points from last week. In addition to the weekly average return rate of 15 to 1 months, the rest of the financial products of the rest of the period have declined, of which 8 to 14 days of financial product weekly average return rate is the most. From the point of view of the distribution of the distribution banks, the products with the highest expected yield in each period come from Ping An Bank, Deyang bank, Duanzhou rural commercial bank, Jiangsu bank and Huaxia Bank. This week the high expected yield financial products are mostly small and medium-sized banks, and the type of income is mostly non guaranteed floating income. Among them, a non guaranteed floating income product issued by the Bank of Deyang won the first place from 15 days to 1 months with an expected rate of return of 5.5%, while a guaranteed floating income product of Huaxia Bank ranks first in the 12 months and above products with the expected yield of 7.2%.