In the last week, bonds and currency products 39, 3 months, the following products accounted for more than 80%

The stock market has gone up, and bond markets have declined.　　As investment interest is again attracted by the rising stock market, capital market banking products and equity funds in the market calls a wave of waves; on the other side of the seesaw, bond-type wealth management products and bond funds are weak in competition because yields are not good for capital market products. Since April, the bond market has shown a "cowhide City" fluctuation, both bulls and bears are more cautious. Whether the bond-type wealth management products have been cold shoulder from by investors, is it still necessary to purchase debt banking products?　　To this end, the financial weekly reporter interviewed professionals. Bond product issue is still the mainstream Cass Institute of Finance Research Center for financial Products Wang Zhanwu said: "The stock market has been doing well recently, and the bond performance is really weak." But does the lack of performance now mean that the bond products will always be bad? The first-quarter credit boom is one reason to see why the stock market is doing well. And in this context, although the recent performance of bonds in general, but does not represent the future will not be good, the bond products are not necessarily always show a low fever state.　　"And from the commercial Bank's financial products distribution, the bond category, money-type basic financial products, has been dominant in the market." Puyi Wealth research shows that the last week (May 1 7th), from the use of financial products, bonds and money market-type wealth management products (including foreign currency) issued 39, the market share of 50%.　　Since April, the debt and money market-type wealth management products in the first of all types of financial products.　　Puyi Wealth analysis that the reason for the low yield of debt-type financial products is also praised by the market, mainly because of the low risk of such products and better liquidity. Can be seen, the current market on the bond products are mostly short-term, CCB recently issued and maturing of a variety of debt-type financial products are 1-month period of products.　　such as the sale of 1-month bond products-CCB wealth bond products, 5th 2009, this product only CCB high-end customers can buy, the annual rate of return of 1.5%. The bond market horizontal plate arrangement has little influence on the income of the financial products and the recent bond market shake the city reorganization, to the bond Bank wealth management product yield rate will have the influence. and pick Bond channel Bond analyst Ma Yimin said to the financial weekly Reporter: "The bond market will maintain a concussion city, some of which have a band of sex opportunities to grasp, if the central bank no longer cut interest rates, which will restrict the bond markets further strengthening." "Ma Yimin said:" The bond of the horizontal arrangement of commercial banking products will not be very large, because the bank's debt-type financial products are also beginning to pay attention to corporate debt. There are market opportunities for corporate bonds and debt separation. The Treasury bond yields less, but not negative. "If the central bank cut interest rates, it would not bode well for bond-type wealth management products." Ma Yimin said: "If the interest rate cut, the stimulus to the national debt is very obvious, but for now, as the economy is on the rebound, so the chance of interest rate reduction, I still compareWatch this year's bond market. "For bond markets, the CPI and PPI data are basically in line with market expectations and have been digested by the market," said Xu, a bank bond analyst at Shanghai Branch. The trend of future bond markets will still be determined by three factors: first, it will depend on whether the central bank will cut interest rates further; The second is that the stock market is still a key factor affecting the trend of bond market, and the third is to see the supply and demand of the bond market, especially the current strong demand of banks and other financial institutions to keep up.　　"Do not overestimate the risk appetite of investors, whether the investors conform to the current stock market, and avoid the bond markets?" Wang Zhanwu said: "Investors choose a product is affected by a number of factors, mainly investment time, profitability, risk and other key factors." Rational investors don't put eggs in the same basket for a certain period of time in the market. First of all to consider the risk tolerance of investors, the greater the amount of capital investors may be more stable, risk aversion is higher, so it is more suitable for investment in a part of the bond products, low risk, stable income. The second rate of return, the same as the same period of debt-type financial products, the issuing bank is different, the yield is also different, and the bond product yield is more fixed, so can choose to own more favorable yield; third, the risk factor, for the bond product, the yield is low, suitable for the risk bearing ability is lower, Risk aversion type of investor investment. "The Puyi Wealth study showed that the number of bond and money market-type financial products issued increased month in 2009, and the issuance of debt and money market-type wealth-management products in April rose from less than 30% last month to nearly 40% this month.　　The reason that the debt-type wealth management products are still the mainstream of bank issuance, this is because investors are still relatively low risk appetite.　　And the income level of the bond and money market type wealth management products has been low, concentrated between 1.4% and 2.5%. In addition, the bond and money market-type financing products short term, the shortest only 7 days, 3 months the following financial products accounted for the total number of such financial products issued a proportion of more than 80%, you can see the bond and money market-type wealth management products liquidity better.