Banks Have A Shortcut To Attract Money, &Nbsp; Financial Products Are "Pawn".

Ms. Du, who works in a public institution in the city, has received a number of recent works.

Holding many banks

Multiple high-yield financial products debut

Unlike the bank's initiative to recommend some financial products, Zhou Xiaofeng, a white-collar who has always been more concerned about the financial market, has found that there have been some new changes in the financial market in recent years. Banks have launched some high-yield financial products, and some short-term products are even more profitable than some of the previous products.

"In the past year, the steady rate of return of products can get three or four percentage points, which is already good, and now, one or two months of products, the annual rate of return can also be about 3%."

Zhou Xiaofeng said that when the yield of financial products increased, the choice became somewhat tangled.

"If we buy financial products now, the next product gains will be higher. Is it not a loss?"

Product intensive launch, yield rising, this is a feature of the recent financial market.

Reporters learned from a number of banks, recently, many banks have financial products debut, financial management time is locked before and after new year's day.

If a new short-term financial plan is launched by a bank, the expected yield of the 4 day product will reach 4%, and the expected yield of the 9 day product will exceed 4%.

According to the amount of financial products launched by another bank, the annual yield is expected to reach 3.65%~4.25%.

The current one-year bank fixed deposit rate is 2.75%, so the yield of these financial products still has some "allure".

Another industry estimates that another month is the Spring Festival holiday, and there will be more variety of bank financial products for the Spring Festival, and the annual yield will also go to a higher level.

Is the increase in yield related to the pressure to absorb deposits?

Now, the expected annual yield of a product in a week is equivalent to the expected yield of the previous product in a year. The time of financial products is shortened and the yield is raised. What does this mean?

"The pressure of capital makes banks have to take some strategies to alleviate the difficulty of taking deposits.

Especially at the end of the year, the pressure of funds increased.

One industry insider said.

No doubt, for banks, this year's various regulatory policies issued by the state do make it face some financial pressure.

In 2010, the central bank raised the deposit reserve rate 6 times, and the deposit reserve ratio of most banks was raised to 18.5%, the highest level in 20 years. In addition, there were 1 additional rediscount and reloan interest rates.

These regulatory measures have made banks' liquidity increasingly tense.

In addition, at the end of the year, bank funds are generally tight and often run short of cash flow.

However, this is also a good time for the interbank to fight for year-end bonus customers and shareholders' funds. Therefore, launching some high yield financial products around the new year's Day is a rainy day, attracting both the eyes of financial managers and the abundant funds.