source: Qilu Evening News
Ji'nan November 26th news (reporter Sang Haibo) close, the pressure of each bank's storage pressure increased, many banks have recently launched a cross year of the year. In the short and medium term financial products, the yield is much higher than before. It is intended to catch up until the year before to "absorb gold" to cope with the year-end deposit loan ratio assessment. "selling for 56 days in November 23rd, 50 thousand yuan, annualized yield 4.3%, welcome to call the appointment quota." A few days ago, Mr. Cui, a resident of Ji'nan, received a promotional message from a bank. The yield of this short term product gave him a fresh look. "The yield of bank financial products has risen significantly. I remember that the yield of the same type last month was only 4%." Mr. Cui, who has long been paying attention to the financial market, said.
"these days, I receive several messages every day, and the phone calls are sold in three different ways, mostly selling financial products." Mr. Fang said. Reporter survey found that near the year, the bank increased the marketing of financial products, in addition to the business outlets to strengthen publicity, many bank customer managers through SMS, telephone form of active marketing. High yield is a "selling point". This year, the central bank cut interest rates twice, and the yield of bank financial products went down all the way. However, with the approaching of the year, the yield of bank financial products is rising again. Financial manager of a joint-stock bank in provincial capital told reporters. According to the statistics of the silver rate network, the average expected annual yield of financial products within one month of the period of investment is 3.67%, and the average annual expected yield of financial products is 4.18% in the first to three months of this year in the three quarter of this year.
reporter found that the rate of return on the sale of products is obviously rising, and the yield of financial products from one to three months is mostly above 4.3%, and the products with the yield of higher than 4.5% or 5% are not in the minority.
for example, in November 26th, Ping An Bank issued the "195 phase of poly treasure exclusive portfolio (and earnings plan) RMB financial products in 2012", 50 thousand yuan to buy, 91 days period, the yield of 4.7%. The Bank of Qingdao, issued on the same day, "the twenty-fifth phase of the 2012 sea melts wealth creation series of personal financial products", the period of 91 days, the starting point of 60 thousand yuan, the yield of up to 5.05%. The Bank of Qingdao issued three days before a 56 day product, starting point 60 thousand yuan, the yield is also as high as 5%. At the same time, at the same time, some careful investors will find that the bank is carefully designed for the time of product distribution and interest rate, and many products are due to expire after the new year's day. According to monitoring data from Puyi fortune, 41 banks issued 411 financial products this week. One month (containing) the following rolling period products issued 16, the market ratio of 3.89%, one month to three months (containing) period of financial products issued by 214, the market ratio of 52.07%. The end date of many financial products commissioned is accurately calculated around December 30th, or before the New Year holidays and Spring Festival holidays. "
" more than a month from the new year's day, every year at this time each bank is holding the "pressure mountain", in order to cope with the assessment of the loan ratio at the end of the year, the bank hopes to get more money through a variety of means. Compared with the state-owned large banks, the capacity of the city commercial banks and the joint-stock banks is relatively weak, and these small and medium banks are more able to absorb the public deposits by increasing the yield of financial products. " Ms. Wang, a senior financial manager of a provincial bank, told reporters.