Bank financial management income fell for two consecutive weeks. Non-guarantee financial management average income of 5.13%__理金融频道 - 融360
Financial channel> Banking financial news> Bank wealth management income fell for two consecutive weeks. Non-guarantee financial management average income 5.13%

Bank wealth management income fell for two consecutive weeks. Non-guarantee financial management average income 5.13%

Edit: Lisa Source: Rong 360 original Date: 2018-01-12

Summary:

After New Year's Day, the bank's wealth management yield has dropped for two consecutive weeks, and will it continue to fall in the future?

  Overview of the bank's wealth management market this week

According to the data of 360 monitoring, this week (January 5th - January 11th) the bank's wealth management products circulation totaled 2,899, an increase of 977 from last week, an increase of 50.8%, mainly because of the New Year's holiday last week. Affected the sharp decline in the circulation of wealth management products, resulting in a small base last week; the average annualized rate of return on wealth management products was 4.84%, down 0.02 percentage points from last week, and fell for two consecutive weeks after New Year's Day.

  Financial income decline within one or three months

From the perspective of different term wealth management products, 990 wealth management products within 3 months of this week, the average expected rate of return is 4.72%, 916 models of 3-6 months wealth management products, the average expected rate of return is 4.89%, 6-12 months There are 856 wealth management products, with an average expected yield of 4.91% and 98 wealth management products for more than 12 months. The average expected rate of return is 4.97%.

The income of other wealth management products this week has increased slightly from last week. The average income of wealth management products decreased by 0.08 percentage points within three months. The biggest increase before New Year's Day was short-term financial management within 3 months, so the short-term financial management income after the node was also the first decline, which shows that the bank's short-term liquidity has eased slightly.

  Second, the average income of non-guarantee financial management 5.13%

From the perspective of different types of income, this week, 273 guaranteed wealth management products, the average expected rate of return is 4.40%, 636 floating-income wealth management products, the average expected rate of return is 4.28%, non-guaranteed floating income wealth management products 1702 The average expected rate of return is 5.13%. The yields of various types of wealth management products have declined.

Guaranteed revenue-based wealth management products increased by 0.07 percentage points. However, due to the small proportion, the overall income of wealth management has little effect. The income from guaranteed floating income wealth management products remained stable, while the income from non-guaranteed wealth management products decreased slightly by 0.01 percentage points.

  Third, the average yield of foreign banks and stock companies exceeds 5%

From the perspective of different types of banks, the average expected rate of return on wealth management products of foreign banks and joint-stock banks this week is above 5%, 5.05% and 5% respectively. The average yield of wealth management products of city commercial banks is 4.94%. The yield is 4.82%, the average yield of wealth management products of the Postal Savings Bank is 4.81%, the average yield of wealth management products of rural commercial banks is 4.69%, and the average yield of wealth management products of rural credit cooperatives and rural cooperative banks is 4.60%.

Although foreign banks and joint-stock banks have the highest average yields, the proportion of structured wealth management, high-end customer wealth management, and medium-to-high-risk wealth management products offered by these two types of banks is relatively high, and these three types of wealth management products are either too volatile or too high. High, not suitable for ordinary people to buy. So remind everyone that when buying wealth management products, you can't just look at the high yields on the surface, but you have to figure out the reasons behind high returns.

  Fourth, the two foreign banks have the highest income

  Note: Banks with less than 5 financial products issued weekly are not included in the ranking.

Rong 360 ranked the revenue of banks with more than 5 products, and the data showed that the average yield of 45 bank wealth management products exceeded 5%, an increase of 10 from last week. Among them, the two foreign banks of Hang Seng Bank and HSBC have the highest average yields of 6.66% and 5.63% respectively.

However, if you look closely at the product details, Hang Seng Bank has 8 wealth management products with an expected maximum yield of 5.5%-10%. All of them are wealth management products with a risk level of 3. The HSBC only has 4 products that disclose the expected rate of return. 2 of the more than 5% are structured financial management. Although these two types of wealth management products are extremely low in probability, the income fluctuates greatly and the probability of reaching the expected maximum rate of return is low.

The conclusion is that the wealth management products issued by foreign banks are not suitable for ordinary people.

Among the top 20 banks in the income ranking, there are 11 city commercial banks, 5 rural commercial banks, 2 joint-stock banks, and 2 foreign-funded banks. The number of city commercial banks is the largest, and the rate of return is often the highest among all types of banks.

 V. Market Outlook

Although the bank's wealth management rate has dropped for two consecutive weeks, it is still at a relatively high level in the near future. The market funds are generally relatively stable, and the room for bank financial yields to continue to decline is limited, and the probability of holding steady in the short term is large.

Which bank's wealth management products have the highest revenue? Concerns: Rong 360 Finance (rong360licai), reply to "Banking Finance" to get the latest real-time list.

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