Bank Financing Products Have Sprung Up And Gold Has Been Locked Up.

< p > because most of the family investors can not get a single slice of the bull market from the single product because of the poor grasp of the market and the choice of product mistakes: the bank a href= "//www.sjfzxm.com/news/index_c.asp" > the financial product "/a" is not enough, the threshold of the trust product is too high to be bought, and the enthusiasm for the gold market has caused the "aunt" to finally fall into a bear market with a sharp fall of 30%.

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< p > however, looking forward to the market in the coming year, bank financial products and trust products will continue to be popular. Equity funds and monetary funds still have profit opportunities. Even the low concussion < a href= "http://fz.sjfzxm.com/" > Gold < /a > a href= "//www.sjfzxm.com/news /index_f.asp" > bond > /a > the market also has the opportunity to accept the bargain. Citizens may wish to pay attention to rational and balanced investment.

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< p > < strong > bank financing > /strong > /p >

< p > < strong > key words: before, low, high, < /strong > /p >

< p > < strong > "cock wire" counter attack, yield break six < /strong > < /p >.

< p > "the yield of bank financial products is really two days at the beginning of the year."

Miss Cheung, a white-collar investor in Guangzhou, sighed, "at the beginning of the year, 100 thousand yuan of financial products was purchased, the annual yield was only 4.5%, and the revenue in the year rose to 6.1%, and now it is 6.3% higher."

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< p > according to Miss Zhang, the 170 day financial product purchased at the beginning of the year was 100 thousand yuan, the yield was 2091 yuan, while the second half of the year purchased the same period of financial products, the income was as high as 2840 yuan, an increase of nearly 36% compared with the first half.

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< p > in fact, Miss Zhang's investment experience is reflecting the trend of the market of bank financial products this year: the former is low and the latter is high, taking June as the dividing line, the yield in the second half of this year is obviously higher than that in the first half of the year, and there is a trend of continuous rising.

Before 2013, most investors were very concerned about this kind of products. Bank managers often asked "Grandpa to tell Grandma" to ask customers to buy, which is called "cock wire" in the financial market.

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< p > data show that the average annual expected yield of bank financial products in 1~5 this year is 4.334%. In June, with the interbank interest rate rising to 4.78%, then it maintained high operation, 7~11 month was 4.89%, of which November was the highest in the year to 5.09%, and is expected to be higher in December or higher.

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< p > it is worth noting that financial products of banks are mainly short term products under 6 months, and the total products of 1~3 months and 3~6 months are nearly 8.

"On the whole, the income of bank financial products is much higher than the 3.3% yield of one-year fixed deposit, which has become a steady choice for most citizens."

One is < a href= "http://pop.sjfzxm.com/popimg/fz/index.aspx >" financial manager "/a.

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< p > < strong > Prospect: < /strong > < /p >.

< p > < strong > 5%~6% proceeds become the norm < /strong > /p >

< p > for the trend of bank financial products next year, experts believe that the trend may continue to rise. At the same time, it will usher in the era of big information management, and products will be richer.

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< p > analysis shows that, in general, the yield of bank financial products will continue to increase next year.

On the one hand, under the tight monetary policy of the central bank, social capital becomes tense or normal; on the other hand, with the advance of interest rate marketization, different institutions will divert bank funds, and banks have to raise interest rates to attract customers to pull back deposits.

"It is expected that the earnings level of financial products 5%~6% will become the norm, but the proportion of high-risk equity subjects may increase."

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< p > in addition, Zhang Ming believes that with the advent of the era of big asset management, banks, brokerages, fund insurance and third party organizations will rush to the market of financial products. When facing more choices, the public will need more professional guidance to improve their knowledge and discernment ability.

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