0, the negative income in April before the outbreak of new financial products to "stable" mainly

Every reporter Chen Ke from Shanghai According to the latest Puyi wealth statistics show that April this year, the rate of return on bank Wealth management products reached a new low since August 2008.　　Wealth management products 0, negative income in the year before April again concentrated. Perhaps because of the correction of the past radical strategy, the domestic banking institutions still adhere to a sound value orientation at a time when domestic and foreign capital markets rebound strongly.　　Low-risk products (guaranteed earnings or investments in credit, bills, bonds, money-market products) accounted for as much as 84% per cent, according to last week's bank finance market, and bank finances remained in the low yield range.　　Structural products are still the hardest hit in April this year, a total of 455 bank financial products expired, of which 86.59% of the wealth management products to achieve the expected income, and March compared to the decline, the bank's wealth management products yield achieved a low rate since August 2008. Statistics show that in the first 4 months of this year, a total of 90 maturing banking products have suffered 0 income, negative income embarrassment, this data has exceeded the sum of 34 last year. In April this year, 0, negative income products, there are a variety of products for the credit asset class financial products.　　These products do not realize the expected return, mainly because of continuous interest rate cuts, some of the borrowers chose to pay ahead of time, resulting in the product did not realize the expected return. But even so, structured products are still 0 of the bank's financial products, negative income of the "hardest hit."　　In March, for example, a total of 24 structured products failed to achieve the expected benefits, including 16 0 earnings and 2 negative returns. "Daily economic news" Statistics found that 0, negative income of structured products, the issue period is basically before April 2008. These products "failed", mainly because of the severe turbulence in the international financial markets, so that some of the linked assets price fluctuations, and ultimately beyond the bank's predetermined price range.　　Although recent capital markets have warmed up, the rebound has not returned to the bank's predetermined price range. Low-yielding products are still in the mainstream, perhaps because of the difficulty of accurately grasping the overall economic changes, and the current banking institutions are generally cautious after correcting the mistakes of aggressive investment.　　Statistics show that last week, bond and money market-type wealth management products issued more than 50, the market accounted for 53.7%, and its fund-raising is ultimately invested in the interbank bond market and money market, also safer But the low risk is always low income. Last week's issue of investment in renminbi bonds and money market-type wealth management products, yields the highest yield of only 2.4%, the general expected annual yield of about 2%.　　In the current issue of foreign currency products, the U.S. dollar products yield is about 1%. Credit and Bill Asset products are still the mainstream of the market. Last week, a total of 27 shares of similar products, the market accounted for 28%. However, it is noteworthy that as the effect of loose monetary policy gradually play, the capital pressure of the enterprise capital is also greatly alleviated, resulting in the loan interest rate premium effect to decline. Statistics show that in recent months, credit-type financial products every month have a few10 products are voluntarily terminated, which usually leads to lower yields.　　Institutional point of view Puyi Wealth: Concern about the financial products investment area for the maturity of this April, the overall performance of the banking product, the status quo, Puyi Wealth published the view that, under specific economic conditions, different types of products will have different performance trends, investors need to choose sometimes move. Although the earnings of financial products in April this year are not good, but the bill asset classes and debt and money management products have realized the expected income, and continue to maintain a stable revenue realization capacity.　　At the same time, in April this year, due to invest in special objects of financial products performance, all realized the expected income, and the 2 1-year investment equity pledge and 2 1-year investment in the rental income right of the wealth management products have achieved a higher than 7% of the annual yield, become the maturity of this month's financial products in the bright spot.　　In this regard, Puyi wealth that investors in the choice of financial products, in addition to security, the same need to pay attention to the investment of financial products, because the investment area of financial products determines the profitability of financial products and the probability of realization of income.　　In addition, as China is still in low interest rates, and the impact of continuous interest rate cuts continue, in a period of uncertainty in the global economy, the benefits of credit asset products and structured products ultimately have great uncertainty. Every journalist Chen Ke