Under the backdrop of low yield of bank financial products, high-yield financial products naturally make a profit.

Many websites have launched the "high yield bank financial management" ranking and product promotion.

If we only look at the expected rate of return, the yield of these "high yield bank financing" is really high. From 5% to 9%, many investors are very excited.

However, if you take a closer look at the detailed provisions of these "high yield" financial products, you will understand that it is not easy to get more than 5% of the high yield, some products can not be bought, and some products are not reliable.

Therefore, financial experts specifically remind investors that if you buy financial products significantly higher than the normal rate of return, we must be cautious, not to pursue the high yield and go astray.

In addition to the obvious decline in the yield of state-owned banks' financial products, some joint-stock banks and city commercial banks have gone through "ice and fire".

A joint-stock bank financial manager said that two years ago, the bank's financial returns were basically above 5.5%, and had strong competitiveness. Up to now, only about 4%.

Due to the pformation of financial products from large banks, it is expected that some non structural financial products will not yield more than 5% in the future.

In the context of the downward trend in the overall yield of financial products, it is suggested that investors should seize the opportunity to invest in some medium and long term financial products, and lock them in advance.

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According to monitoring data, in June, a total of 312 banks issued 7175 closed-end expected yield RMB financial products, although the number of issuing banks decreased by 14 compared with the previous month, but the number of products issued increased by 55.

It is worth noting that city commercial banks have once again become the overlord of the bank in the market of financial products, and the number of banks is far ahead of other types of banks, accounting for half of the total circulation of all banks.

Under general decline, the ratio rose by 3.6 percentage points.

From the point of view of profitability, the city commercial banks are still attractive, especially in the aspect of non guaranteed financial products.

In June, the annual yield of all non guaranteed financial products issued by city commercial banks was over 4%, except for the average yield of more than one year, slightly lower than that of joint-stock banks.

Judging from the type of issuing banks, financial products with the highest expected annual yield are mostly from joint-stock banks.

From the perspective of income type, the high expected annual income type belongs to the non guaranteed capital floating type.

Judging from the expected maximum annual yield of the products in specific terms, a non guaranteed floating income product of Bank of communications won the first place from 1 months to 3 months with an expected yield of 7.6%, a non guaranteed floating income product of Ping An Bank, with a pre 9.8% period.

In 3 months to 6 months, the product yield is the highest.

This week, the expected annual yield of bank financial products continued downward, falling to 3.84%, a decrease of 0.02 percentage points from last week.

7天以內(nèi)的理財產(chǎn)品共有34款，周均預(yù)期年化收益率達到3.20%，環(huán)比降低0.11%;8天至14天期限的理財產(chǎn)品共有19款，周均預(yù)期年化收益率達3.31%;15天至1個月期限的理財產(chǎn)品發(fā)行8款，周均預(yù)期年化收益率達3.77%，環(huán)比降低0.25%;1個月至3個月期限的理財產(chǎn)品是發(fā)行主力，共有552款，周均預(yù)期年化收益率達3.81%，環(huán)比降低0.04%;3個月至6個月期限的理財產(chǎn)品共發(fā)行456款，周均預(yù)期年化收益率達3.87%，環(huán)比降低0.01%;6個月及以上期限的理財產(chǎn)品共發(fā)行402款，其中6個月至12個月期限的理財產(chǎn)品共有262款，周均預(yù)期年化收益率達3.9%，環(huán)比降低0.08%，12個月及以上期限的理財產(chǎn)品共有140款，周均收益率達3.89%，環(huán)比提高0.2%。