Banks rob money at the end of the year

Reporter Jialin Chen 5 million yuan, 3 days, no risk-free income of 875 yuan, the annual yield of 2.1%, this is the Everbright Bank of Hangzhou Branch launched a wealth management products, investment period of Friday night from nine o'clock to Monday zero. Investment period of 13 days, the expected maximum annual yield of up to 5.1%, this is Huaxia Bank Hangzhou branch in the issue of a wealth management products.　　With the end of the year approaching, make money shortage at the expense of issuing super short-term high-yield wealth management products, so that the yield of such products reached the highest point in a year, the public hands if there is short-term idle funds, now buy the most cost-effective. High Yield product surprise release if you bought the Huaxia financial-Shang Enhanced 1051th 13-day financial products yesterday, starting today, the New Year's Day holiday can be withdrawn funds, the expected annual return rate of up to 5% (starting capital of 200,000 yuan and 700,000 yuan, the expected maximum annual yield of 5.05% and 5.1%).　　But if you start buying this series of new products today, the same 13-day, starting at 50,000 yuan, the annual rate of return fell to 4%. But even a 4% yield has left many managers speechless. "One-year wealth management product yields rarely reach this high," said a joint-stock Bank Management manager, "Such a product bank is sure to lose money, but in order to take deposits, the bank can now say it is at the expense."　　"In addition to Everbright and Huaxia Bank, China Merchants Bank, the people's livelihood, deep development and other joint-stock banks have also been competing to issue High-yield short-term products to join the" Rob "the Army of money. Even the state-owned big line can not sit still, this Thursday, the Bank of Zhejiang Branch issued 7 days and 14 days of two short-term financial products, the starting point of the purchase of 50,000 yuan, the expected annual yield of 4% and 4.2%, the rate of return to a record of similar products. ICBC Zhejiang Branch is currently in the sale of a 11-day product, the expected annual return rate of 3.8%.　　ICBC Zhejiang Branch Sales manager said that the year will also issue several regional wealth management products, the expected return will be higher. Good timing for investors to make money. The banks ' focus on the issuance of ultra-short-term, ultra-high-yield wealth management products is the strict requirements of the regulatory authorities to deposit and loan ratio of banks. As the renminbi's new loans have reached 7.45 trillion yuan in the first 11 months of the year, the overall size is about to exceed 7.5 trillion targets.　　And in the case of tighter policies extending to next year, banks must ensure a higher deposit scale for next year's credit line, so they can attract customers by issuing short-term high-yield wealth management products to lock in capital flows. As product yields rose, the number of financial products issued began to soar. Puyi Wealth statistics show that last week, the number of renminbi wealth management products for 177, compared to the previous week, an increase of 19.　　In November, the commercial banks issued a total of 1019 financial products, the chain growth of 53%, year-on-year increase of 45.8%. Financial experts say banks are short of money, which is a good time for investors to make money. Due to liquidity considerations and interest rate expectations, the current purchase of short-term financial products isGood choice. However, some of these high-yield short-term products, some of which are guaranteed to protect the income category, some are floating income. Investment direction is also different, some to the bond and inter-bank paper market, but also for trust loans and linked products such as portfolio investment.　　Investors should buy according to their own risk tolerance and liquidity requirements.　　Q: July 2007 from the monthly investment ka Real growth + South China card 500+ Chinese business flourishing growth, whether the bond fund can be reconfigured?　　A: Bond fund risks and benefits are small, suitable for shocks and bear market allocation, the investment itself has reduced risk, do not recommend a bond-type fund.　　Q: Growth investors, beginning at the beginning of the investment 300, BOC China, easy to reach the value of the Chinese dividend, the south of the card 500, a year down the income is almost zero, need to adjust it?　　A: From the first half to the present stock market shocks are relatively large, so for the use of fixed-vote way to buy funds, will not bring good returns in the short term, from the configuration, index, stock type, mixed type have, so it is recommended to continue to vote.　　Q: Robust investors, holding Peng Hua China 50, Societe Generale trend, the Chinese blue-chip, more than three years, this year, several funds performance is general, want to redeem a fund, how to choose?　　A: These three funds are mixed funds, the Chinese blue-chip performance is not very ideal, you can consider redemption.　　Q: Robust investors, currently holding: Deep 100ETF, Dacheng jing Yang, ka real growth, Chinese business dynamics, Hua Fu Income, China's advantages, whether appropriate? A: The portfolio of equity funds accounted for 80%, for the prudent investors, the risk is high, the proposed reduction of two equity funds, converted into bond funds. (Reporter Zhu Wenko finishing) Express Fund reviews SMS interactive platform for the fund investors answer questions, mobile users (limited to the Hangzhou region or gold China line users, each charge 0.1 yuan) to send text messages to 1065730571450000, send content for "jj+ Consulting content" Unicom users to send the advisory content directly to 18980003.