This week the bank financial market overview
Financial 360 monitoring data show that this week (January 5 - January 11) a total of 2,899 bank financial products circulation, an increase of 977 last week, an increase of up to 50.8%, mainly due to last week's New Year holiday Affecting the sharp decline in wealth management products circulation, leading to a very small base last week; the average expected annual financial products yield 4.84%, down 0.02 percentage points from the previous week, two weeks after New Year's decline.
One, within three months decline in financial revenue
From different periods of financial products, 990 financial products within 3 months this week, the average expected rate of return of 4.72%, 3-6 months 916 financial products, the average expected rate of return of 4.89%, 6-12 months 856 wealth management products, the average expected rate of return of 4.91%, more than 12 months financial products 98, the average expected rate of return of 4.97%.
This week, the revenue of other wealth management products rose slightly from last week. Only the average return of wealth management products decreased by 0.08 percentage point within 3 months. New Year's biggest gain is the short-term financial management within 3 months, so short-term financial income after the node is the first to decline, indicating that the short-term bank liquidity slightly ease the bank.
Second, non-capital preservation average income 5.13%
From the different types of returns, this week, 273 wealth management products of guaranteed yield were guaranteed with an average expected rate of return of 4.40% and 636 types of floating income wealth management products with an average expected rate of return of 4.28%. Non-guaranteed floating-income wealth management products 1702 Section, the average expected rate of return of 5.13%. The yield of various types of financial products has declined.
Revenue of wealth management products with guaranteed income increased by 0.07 percentage points. However, due to the small proportion, the revenue of wealth management products with stable floating income maintained a steady while the revenue of non-guaranteed capital products decreased slightly by 0.01 percentage point.
Third, the foreign bank, the average yield of the bank over 5%
In terms of different types of banks, the average expected rate of return of wealth management products by foreign-funded banks and joint-stock banks was above 5% this week, at 5.05% and 5% respectively. The average yield of wealth management products in city commercial banks was 4.94% The yield was 4.82%. The average yield of wealth management products of Postal Saving Bank was 4.81%. The average yield of wealth management products of Agricultural Bank of China was 4.69%. The average yield of wealth management products of Rural Credit Cooperatives and Rural Cooperative Bank was 4.60%.
Although the average yield of foreign-funded banks and joint-stock banks is the highest, the proportion of structured wealth management, high-end customer wealth management and medium-risk wealth management products sold by these two types of banks is relatively high. However, these three types of wealth management products either yield too much or too much threshold High, not suitable for ordinary people to buy. So to remind everyone in the purchase of financial products can not just look on the surface of high-yield, but to find out the reasons behind the high yield.
Fourth, the two highest foreign-funded banks
Note: Banks with less than 5 weekly wealth management product releases are not included in the rankings
Financial 360 product revenue circulation of more than 5 banks rankings, the data show that 45 banks average yield of financial products more than 5%, an increase of 10 from last week. Among them, Hang Seng Bank and HSBC both had the highest average yields of 6.66% and 5.63% respectively.
However, a closer look at product details, Hang Seng Bank has 8 models of financial products is expected to highest yield of 5.5% -10%, all the risk level of 3 financial products, HSBC only 4 products disclosed expected rate of return, of which 2 more than 5% are structured financial management. Although these two types of wealth management products are extremely unlikely to lose money, they have a large floating income and a low probability of reaching the expected maximum yield.
The conclusion is that financial products issued by foreign banks are not suitable for ordinary people.
Of the top 20 banks, 11 are city commercial banks, 5 are rural commercial banks, 2 are joint-stock banks and 2 are foreign-funded banks, with the largest number of commercial banks in cities and the highest yields among all types of banks.
Fifth, the market outlook
Although the bank's financial management rate of return has been declining for two consecutive weeks, it is still at a relatively high level in the near future. The overall capital market is relatively stable. There is limited room for further declines in financial management returns and the probability of holding steady in the short term will be greater.
Which bank's financial products yield the highest? Concerned: Financial 360 Financial Secretary (rong360licai), reply "Bank Finance" for the latest real-time list.