Bank financial products can be divided into the fixed income security, guaranteed income of the floating and non-security type of the three types of floating receipts. Guaranteed fixed-income products is the banks are committed to a minimum fixed income and risk, beyond the revenue from banks and customers at the agreed allocation; guaranteed floating income products is the bank to the customer to ensure that the principal security, income part of the risk borne by the client; non- Guaranteed income products is the floating bank does not guarantee the safety of principal, risk, income is also high.
Particular, can be divided into type of bond financing, trust and investment type, structured products (mostly linked to type), type of subscription of new shares, QDII, strong fund selection products and other categories.
Income in order to maintain the main products linked to mainstream though
Yield fixed income products is generally between 3% -5%. Yin Jianfeng, director of structured finance Research Academy of Social Sciences told financial weekly newspaper reporter: “At present, banks are guaranteed the basic principal of structured products, but high-risk and high return non-guaranteed products is also increasing.”
In product types, and stock, credit, exchange rates, interest rates and other financial products linked to more and more, has occupied the mainstream of financial products, the general annual yield of about 10% to a maximum of about 30%.
Data show that in September 188 financial products were issued, of which 40% is fixed income, 23% of income-guaranteed floating, floating 37% of non-guaranteed income type. Shares of which have hit 24.
Associate professor of finance at China Europe International Business School Zhao Ge yuan of financial products in the bank statistics, the non-guaranteed wealth management products, directional/non directional Trust and the proportion of debt financing products 44%, 18% purchase of new shares. The majority of foreign banks is a structural financial products, capital preservation oriented.
Funded line “playing IPO” hot, yield 8% -10%
Currently, shares in the banks products hit full swing, few foreign lines being “playing the new” products. Most of the product in a reasonable rate of return of 8% -10% lower then 5%, while more than 10% higher, such as Minsheng Bank (16.55, -0.26, -1.55%) extraordinary financial “good luck package” rate of annual earnings 3 12.93%. CITIC Bank (11.18, -0.11, -0.97%), established in April this year, the “double surplus Plan No. 1″, in July the annual yield rate has reached 43%.
However, access to financial weekly newspaper reporter
large amounts of data found that a significant number of hit products, the actual rate of return of new shares is not the major banks tout their clients, as claimed, can reach more than 15% or even 30% rate of return. For example, in Industrial and Commercial Bank (7.67,0.02,0.26%) published data, the July-September due to purchase shares products, all yields are only 7% more. In general, 8% is a more accurate average.
Banking QDII
income differentiation serious
Financial weekly newspaper reporter found that both the Chinese-funded banks or foreign banks, bank QDII product differentiation yields are relatively serious, high-energy up to 10% or more, is not capped; low or even losses. Overall, the Banking QDII product yield of about 10%, but the expected 20% or even 40% will not be a universal phenomenon.
Bank of East Asia “fund treasure” 2 QDII products, to October 4, yields were as high as 32% and 27%. ICBC “Pearl of the Orient,” a, to 8 October rose 18.7%. Construction Bank’s “Cafeteria” 1, as of October 2, or 7%.
Buy financial products, how to allocate funds
Actual rate of return does not meet the expected rate of return financial products are still the majority. CASS Institute of Finance on financial products in 2006 statistics, linked products, 32% of the products of its expected rate of return than the bank expects the highest return rate of 10% or more; while nearly 13% of the financial products, The expected rate of return than the bank expects the highest return rate 50%. Financial products are suspected of exaggerating the gains.
After financial weekly recommendations by a large number of interviews with investors, for the purchase of financial products hit shares 30% -40% can be accounted for, so you can guarantee an annual return of about 8%. 5% -10% of the funds to buy high liquidity money market funds, because this product is the way that transactions T +0, if you need an emergency start-up capital, one day can redeem this part of the funds. With 10% -15% of the funds to buy structured financial products, both can be guaranteed, you can also get 10% of income per year. The remaining funds can be used to purchase high-risk financial products, such as index-linked funds, FOF.
related to hot words: Bank Financial
Posted in 
Tags: 
