In September, the bank financial market volume and price fell, expected revenue down to 3.66%-ca1806

September bank financial market volume and price down the expected return down to 3.66% Sina fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! The overall decline in financial market background, September bank financial market is not immune, a volume and price down "pattern, the low interest rate era income financial products rate downward or will become the norm. According to the latest data released by 360, the scale of bank financial products decreased in September, with an average expected return of 3.66%. Data show that in September, a total of 8660 financial products issued circulation, a decline of 9.08%. Among them, RMB financial products 8501, down 9.14%; foreign currency financial products 158, down 5.92%. Because of the Fed’s September monetary policy concerns, U.S. financial products still touted by the market, occupy the dominant position in foreign currency financial products, the high proportion of the total number of foreign currency financial products 72.96%. It is worth noting that in September the average expected return of bank financial products was 3.66%, the expected rate of return fell 0.04 percentage points higher than in August, a record low, and there are over 60% financial products yield between 3% and 4%. The rate of return of 3% (including 3%) the following financial products are 1167 models, accounting for 13.54%, compared with August increased by 0.43 percentage points; 3% to 4% (including 4%) between the 5153 models, accounting for 61.67%; 4.23% higher than, 4% to 5% (including 5%) between the 1949. Accounted for 23.32%, down 4.74%; 5% to 6% (including 6%) between the 36 models, more than 6% have 38, accounting for less than 1%. From 4.49% in September 2015 to 3.66% in September 2016, the income of financial products continued to decline, at present, many banks’ financial products yield has fallen below 4%. Not only the yield down, the yield is not up to the phenomenon is also increasing. In September, the 116 financial products did not reach the highest expected rate of return, the yield was not standard rate was 1.34%, an increase of 0.03 percentage points compared to August. According to the reporter, in September there are 113 financial products are structured financial products, accounting for 97.4%. The condition that the structured financial products reach the expected highest yield is the main reason for the high number of products without expected return. Market participants warned that the current financial products to the net financial product development trend, but the net financial products can not predict the rate of return, return to net product in the form of the duration of regular or irregular disclosure. Therefore, the net financial product risk is higher, need to have certain investment experience and risk bearing capacity. Investors should buy different types of bank financial products according to their own risk bearing capacity. Looking forward to the four quarter of the banking financial market, the industry expects the conventional product yield will continue to decline. Wang Mengsheng, an analyst at 360, thinks that

9月银行理财市场量价齐跌 预期收益下行至3.66% 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   在理财市场收益全面下跌背景下,9月银行理财市场也未能独善其身,呈“量价齐跌”格局,低利率时代银行理财产品收益率下行或将成为常态。   融360最新发布的数据显示,9月份银行理财产品规模有所下降,平均预期收益下行至3.66%。   数据显示,9月份银行理财产品发行量共8660款,环比下降9.08%。其中,人民币理财产品8501款,下降9.14%;外币理财产品158款,下降5.92%。而由于对9月美联储货币政策的担忧,美元理财产品仍受市场热捧,占据外币理财产品的主导地位,其所占比例高达外币理财产品总数的72.96%。   值得注意的是,9月银行理财产品的平均预期收益率为3.66%,预期收益率比8月下降0.04个百分点,创下历史新低,并有超六成理财产品收益率在3%至4%之间。其中,收益率在3%以下(含3%)的理财产品有1167款,占比13.54%,与8月份相比增加了0.43个百分点;3%至4%(含4%)之间的有5153款,占比61.67%,上升4.23%;4%至5%(含5%)之间的有1949款,占比23.32%,下降4.74%;5%至6%(含6%)之间的有36款,6%以上的有38款,占比均不足1%。   从2015年9月的4.49%到2016年9月的3.66%,理财产品的收益持续下滑,目前多家银行的理财产品收益率已跌破4%。   不仅收益率下行,收益率不达标的现象也在加剧。9月份116款理财产品未达到最高预期收益率,收益未达标率为1.34%,较8月增加了0.03个百分点。据记者了解,9月份不达标的理财产品中有113款是结构性理财产品,占比达97.4%。结构性理财产品达到预期最高收益率的条件苛刻,是未达预期收益率产品数居高不下的主要原因。   市场人士提醒,目前银行理财产品有向净值型理财产品发展的趋势,但净值型理财产品无法预知收益率,收益以产品净值的形式在存续期内定期或不定期披露。因此,净值型理财产品风险更高,需要有一定的投资经验和风险承受能力。投资者要根据自己的风险承受能力,来购买不同类型的银行理财产品。   展望四季度银行理财市场,目前业界预计常规产品收益率仍将继续下行。   融360分析师王梦升认为,银行理财资金已经占据资管行业的主要份额,理财资金最大的去向是债券市场。而目前的市场行情下,债券市场利率走低,是银行理财产品持续走低的原因之一。   此外,目前业内对管理层可能下发商业银行理财业务监督管理办法的市场预期强烈,新监管措施对体量小的银行开展理财业务限制较多,之前一些小银行发行的高收益理财产品可能会受到约束,从而也会拉低整体平均收益率。 进入【新浪财经股吧】讨论相关的主题文章: