The Banking Sector Is Losing Its Bachelor'S Day Financial Returns.

According to the data monitored by the silver rate network, at present, in many areas, the "double eleven" special edition or exclusive funds are rarely clearly marked in the sale and pre-sale of bank financial products.

Among the banks interviewed by reporters, only a few banks issued "double eleven" related products.

Last year related

Most of the main high-yield cards to compete against Internet Banking for financial products.

Pu Yi wealth monitoring data show that last week, 64 banks issued 788 financial products, the number of banks issued decreased by 5 compared with the previous week, and the product circulation increased by 24.

Last week, the average expected yield of financial products was 5.02%, down 0.1 percentage points from the previous week.

Among them, the expected yield of 6% or more of the financial products, a total of 32, the market share of 4.06%.

The proceeds of RMB financial products issued 723, of which 1 months less than 20 financial products, the average expected rate of return is 3.79%, an increase of 19 basis points compared with the previous period, 1 months to 3 months of financial products 387, the average expected rate of return is 5%, compared with the previous period dropped by 1 basis points; 3 months to 1 months of financial products, the average expected yield of the products, the average yield is lower than the previous period. Fixed last week

Take Ping An Bank as an example. Last year, the bank issued a total of three "double eleven" electronic banking special plans. The reporter found that the bank did not issue "double eleven" financial products this year.

According to the reporter's understanding, Shanghai Pudong Development Bank launched "double eleven singles day high price qpoint finance" last year, the expected yield of 1 months is 5.2%, and the expected rate of return for 3 months is 5.4%.

This year, the bank has launched a new product called "profit sharing" new customer financial planning product for the new customers. The expected yield is 5.7%, the duration is 88 days, and the purchase amount is 50 thousand yuan.

Last year, Everbright Bank also used its WeChat circle to push the "crazy double eleven" financing for a limited time. The product advertisement imitated the discount of the shopping mall and displayed the "sale" sign, with an annual yield of 5.5%.

Express reporter interviewed the bank's financial manager, he said, at present, the bank did not issue "double eleven" financial products.

Why many banks fail to manage the "double eleven" exclusive products this year? A bank financial analyst said that the yield of financial products in recent years is on a downward trend.

Therefore, it is recommended that investors rather than stare at the "double eleven" gimmick, it is better to look at the recent trend of bank financial products.

Before the advent of "double eleven", besides the big electric business in crazy sales promotion, the Internet financial management platform is also a force that can not be ignored.

With "double eleven" and "financial management" searching in the network, we can find that many P2P platforms and financial websites have begun to promote the "double eleven" promotion. However, we can see "water is very deep".

An insider of a joint-stock bank in Guangzhou said in an interview with reporters that the Internet financial products have positive positive significance to the market and will promote healthy competition in the market.

"For banks, the birth of Internet financial products is not" wolf. "I think this market is big enough. We are dancing with wolves. At the same time, the Internet can also make financial management more convenient, but there are risks.

In the banking industry, investors should choose a large and well known platform before they kill high yield financial products.

However, some people gave another explanation. A financial analyst of a state-owned bank in Guangzhou told reporters that because the bank had almost completed its work by the end of the year, there was no need to rush to finance any more.

From the head office, there is no such arrangement.

From a branch, it will also be done according to its own rhythm. What is not completed by the end of the year is small and fragmented indicators.

At present, Taobao financial channel, mainly funds and insurance products, can not see the signs of financial products.

In Tmall, Jingdong and other financial channels, most of them are funds and bills, and they also do not see bank financial products.