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2013 bank financing - low undercut the previous Internet ban

时间:2014-01-18 14:59来源:未知 作者:admin 点击:
2013 Bank Money: Internet banking undercut the yield was low after the high bank financial market momentum of rapid development in 2013 did not stop. The latest data show that as of December 21, 2013, the number of financial products issued
2013 Bank Money: Internet banking undercut the yield was low after the high
bank financial market momentum of rapid development in 2013 did not stop. The latest data show that as of December 21, 2013, the number of financial products issued by commercial banks has been greatly increased by 44% compared to 2012. However, in 2013 the bank financing for the last few years and is also facing up to a year --- not only the impact of tighter internal regulatory pressures, more Internet banking to compete in this new force "turf." In this context, the bank financing is gradually stripped "Lanchu tool" hat, turned to real wealth management. Market expansion is continuing, according to Bank rate network available to the "Economic Information Daily" reporters Heineken International statistics show that as of December 23, 2013, 148 commercial banks in terms of financial products issued 42,350, compared to 2012 Commercial Bank financial products issued a total of 29,406, about 44% increase in volume issue. Breakdown of the data shows that in this 42,350 models of products, total 40,775 RMB financial products section; foreign currency financial products total 1575 models. If the sub-period type, the 1-3 month period of financial products, the highest proportion, 55%; followed by the 3-6 month period of financial products, accounting for 25%. Financial products "broke" and continued accumulation of wealth in our society are inseparable. Central Bank data show that in January 2013, Household Savings in China has exceeded 40 trillion yuan mark, until August 2013, savings deposits of residents for three consecutive months to break 43 trillion yuan. In this context, relevant statistics show that as of early December this year, the fund balance of the bank financing exceeded 10 trillion yuan, compared with the end of 2012, China's banking financial capital of about 7.1 trillion yuan, less than one year's time that growth of about 3 trillion yuan. Full year is now expected negative earnings yield of products from the point of view of financial products, financial products this year, the yield was showing low to high before the trend. Heineken International reporter access to relevant data found in early 2013, China's banking financial market in 2012 continued the trend of yields at a low level, and in June of this year through "money shortage" after yields the triumph. Data show that, starting from the mid-year financial products is expected to yield an average of five months of consecutive rise, following the October hit a high of 4.9% in the full year, another record in November, reaching 5.07 percent. Bank rate net financial analyst to accept the "Economic Information Daily" reporters, Heineken International, said that since the end of June inter-bank market liquidity tensions after the interbank money market has been difficult tensions eased, the average expected rate of return financial products along with the interest rate the central shift and constantly rising. Near the end, the average expected rate of return financial products over the average level of the end of June more "money shortage" during the week 15 to 21 December, the average expected earnings of non-structural rate of RMB financial products 5.73%, compared with June's 5.28 percent last week high of nearly 0.45 percentage points. If the yield to maturity of products from the areas considered, Bank rate network data, between January 1, 2013 to December 23 date, the maturity of financial products totaled 39,185 models, including the disclosure of financial information products accounted for maturity 72%. Disclosure of information in maturity financial products, financial products less than 165 the highest expected rate of return, which amounted to 146 structured financial products. In 2013 the maturity of information disclosure of financial products, the product is not currently negative returns, only six products zero real rate of return. By contrast, in 2012 a total of 13 products zero or negative earnings. Open financial products will become the main force in the future of low deposit rates, the bank financing has become an important channel for Chinese residents of finance and investment. Since June this year, the rapid rise of Internet banking, Alibaba, Baidu, Tencent, Sina and other Internet giants have crossed the border into the financial sector to balance treasure, Baidu Internet banking financial products represented sought after by investors. "Towards the end, the yield of Internet financial products continue to soar, and even played 10% of revenue. Internet financial products currently mainly in the low-risk money funds based, but the recent Taobao, Baidu began to try to product innovation, trying to short-term financial bonds butt funds and other low-risk fixed-income investment products. "silver ratio net financial analysts said. LEE Wing Zhuang Economic Research Center, director of Minsheng Central University of Finance and Economics, said that with household wealth accumulation and financial awareness, including securities, funds, trusts, internet banking, including the financial market will be more and more attention. Financial channels diversified funds into the banking system to further enhance the trend of outflow pressure banking financial services will also further increase. And under these pressures, financial products issued by banks has also been restructuring. The above Bank rate net financial analysts said that with the development process of marketization of interest rates, the bank financial products will gradually get rid of "Lanchu tool" hat, turned to real wealth management tools. At present, many banks have been actively adjust its financial product line, increasing the number and type of open-ended financial products, which will be the main future financial products. html模版2013银行理财:互联网金融抢生意收益率呈前低后高
银行理财市场快速发展的势头在2013年并未停止。最新数据显示,截至2013年12月21日,商业银行发行的理财产品数量较2012年已大增44%。不过,2013年对于银行理财而言也是近几年来面临冲击最多的一年———不仅有趋严的内部监管压力,更有互联网金融这一新生力量来争抢“地盘”。在这一背景下,银行理财正在逐步脱去“揽储工具”的帽子,转向真正的代客理财。  市场扩容仍在继续  据银率网提供给《经济参考报》喜力国际 记者的统计数据显示,截至2013年12月23日,148家商业银行共发行理财产品42350款,相对于2012年商业银行共发行29406款理财产品,发行量增长约44%。  细分数据显示,在这42350款产品中,人民币理财产品合计40775款;外币理财产品合计1575款。若分期限类型来看,1至3个月期限理财产品占比最高,达55%;其次为3至6个月期限理财产品,占比为25%。  银行理财产品的“爆发”与我国社会财富的持续积累密不可分。央行数据显示,2013年1月,我国居民储蓄已突破40万亿元大关,至2013年8月,我国居民储蓄余额已连续3个月突破43万亿元。在此背景下,相关统计数据显示,截至今年12月初,我国银行理财资金余额突破10万亿元,与2012年底我国银行理财资金约7 .1万亿元相比,不到1年的时间即增长约3万亿元。  全年未现负收益产品  从理财产品的预期收益率来看,今年的银行理财产品收益率明显呈现前低后高的走势。喜力国际 记者查阅相关数据发现,2013年年初,我国银行理财市场延续了2012年的趋势,收益率处于较低水平,而在经历今年6月的“钱荒”过后,收益率则高歌猛进。数据显示,从年中开始,银行理财产品平均预期收益率连续5个月走高,继10月份创下全年高点4.9%后,11月再次刷新纪录,达到5.07%。  银率网理财分析师接受《经济参考报》喜力国际 记者采访时表示,自6月末银行间市场流动性紧张后,银行间市场的资金紧张情况一直难以缓解,银行理财产品的平均预期收益率也随着利率中枢的上移而不断攀高。临近年末,银行理财产品的平均预期收益率更超6月末“钱荒”期间的平均水平,12月15日至21日的一周,非结构性人民币理财产品的平均预期收益率达5.73%,较6月最后一周的5.28%高近0.45个百分点。  若从到期产品的收益率方面考量,银率网数据显示,2013年1月1日至12月23日期间,到期的银行理财产品共计39185款,其中披露到期信息的理财产品占比为72%。在披露到期信息的理财产品中,165款理财产品未达最高预期收益率,其中146款为结构性理财产品。  在2013年披露到期信息的理财产品中,未现负收益产品,只有6款产品实际收益率为零。与之相比,2012年共有13款产品零负收益。  开放式理财产品将成未来主力军  在我国存款利率偏低的情况下,银行理财已成为我国居民投资理财的重要渠道。从今年6月以来,互联网金融迅速兴起,阿里巴巴、百度、腾讯、新浪等互联网巨头纷纷跨界进入金融行业,以余额宝、百度理财为代表的互联网金融产品受到投资者追捧。  “临近年底,互联网理财产品的收益率持续飙升,甚至打出10%的收益。互联网理财产品目前主要以风险低的货币基金为主,但近期淘宝、百度都开始尝试产品创新,试图对接短期理财债券基金等其他风险较低的固定收益类投资产品。”银率网理财分析师说。  中央财经大学民生经济研究中心主任李永壮表示,随着居民财富的积累和理财意识的增强,包括证券、基金、信托、互联网金融在内的理财市场必将受到越来越多的关注。理财渠道多元化,资金向银行体系外流的趋势进一步增强,银行理财业务的压力也将进一步加大。  而在这些压力之下,银行在发行理财产品方面也有所转型。上述银率网理财分析师表示,随着利率市场化进程的发展,银行理财产品将逐步摆脱“揽储工具”的帽子,转向真正的代客理财工具。目前很多银行也已积极调整旗下理财产品线,增加开放式理财产品的数量及类型,这将是未来银行理财产品的主力。(责任编辑:admin)
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