September over one hundred money bank financial products expected rate of return of less than 3%

Updated: October 20, 2015  Views: 43

Industry analysts say yields continued downward will continue until 2016

Guangzhou Daily News (reporter Li Jing Xuan) as well as several rounds of interest rate cuts RRR improvement in the real economy still does not appear, financial institutions face shortage of asset allocation, the data show a variety of financial products earnings have shown a significant downward trend, 9 month more than a hundred models Bank expected rate of return financial products is less than 3%, Internet Finance, bank deposits, bonds, certificates of deposit interest rates also decreased.

Experts believe that the current weakness in the real economy, credit demand, bank lending to the lack of quality and safety of the object, 'asset allocation shortage' phenomenon is more evident. In the fourth quarter all kinds of financial products, yields fell almost a certainty, and this trend is likely to extend to 2016.

Heavy financial products yields

According to the Bank rate network database statistics, in September there is expected to yield 108 product is less than 3%, down 7.69%. There is expected to yield 546 product falls 3% (inclusive) to 4% range, compared with 19.21% increase the previous month. There is expected to yield 2150 product falls 4% (inclusive) to 5 percent range, increased 31.02 percent from the previous month.

Analysts believe that market interest rates continue downward, financial institutions face shortage of asset allocation, a variety of financial products earnings have shown a significant downward trend. Melt 360 monitored in 2014 - changes of the financial products revenue, the data show that between 2015, 2014 In January the balance of treasure [microblogging] as the representative of the average yield was 5.68% Internet baby products, in September 2015 the average yield of 3%, in January 2014 the bank financing the average yield of 5.75%, 2014 9 month average yield of 4.49%, a decrease of 22% in January 2014 net loan industry average yield of 19.6%, in September 2015 the average yield of 14.36%, a decline of 26.7%. In addition, bank deposits, bonds, certificates of deposit interest rates also decreased.

'Asset Allocation shortage' advent

Since last November, the central bank [microblogging] has been continuously cut interest rates five times and four times the RRR.

'The current main problem is the funding to the real economy conduction channel is not smooth from the interbank market lending and collateral repo rate point of view, were significantly lower than last year, illustrating the overall ample liquidity in the banking system.' Huaxia Bank Development Research Strategy Office in charge of Yang Chi think so, but the real economy, credit demand is weak, the lack of quality and safety of bank lending target, 'asset allocation shortage' phenomenon more obvious.

Reporter survey found that by the relevant environment impact, many funds have been unable to find the right target. 'On the whole, almost all financial products, the bank's earnings are declining, but some large banks decline, some banks are not So big, mainly with the development strategy of the bank with its own capital related to the situation. 'When the melt 360 financial analysts Liu Yinping yesterday, the Guangzhou Daily reporter said.

Or yields continued downward

'Four quarters of all kinds of financial products, yields fell almost a certainty, and this trend is likely to extend to 2016.' Liu Yinping representation.

Bank rate net financial analyst Yan from Jay also believes that financial products average expected earnings downward trend in line with the macroeconomic side of the status quo, with the interest rate market-oriented to promote economic restructuring, our country may enter a period of low interest rates, longer term .


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