Recently, the yield rate of bank financial management has been on a downward trend. Many investors who purchase bank financial management know this very well. In the past, bank financial management could maintain a yield of 6%, but now products with around 4% are There is not much left, so what are the reasons for the decline in bank financial management yields?
What are the reasons for the decline in bank financial management yields?
1. The impact of monetary policy. The monetary easing policy after the epidemic has caused market interest rates to fall, and most bank financial management investment objects are fixed-income assets, such as treasury bonds, deposits, corporate bonds, central bank bills, etc., and their returns are also related to these fixed-income assets. interest on the asset. The interest on these fixed-income assets is an integral part of the market interest rate. If the market interest rate drops, the interest will also decrease accordingly. The decrease in interest on fixed-income assets has also led to a decrease in bank financial management returns.
2. Bank financial management encountered problems after its transformation. Nowadays, bank financial management has transformed into a net worth product. As a net worth product, its income depends entirely on the rise and fall of the net worth. The rise and fall of the net worth is mainly related to two factors, one is the management ability of the manager, and the other is the quality of the market conditions. Perhaps it is because after the transformation of bank financial management, the managers of bank financial management have not adapted to this management method, or perhaps because they encountered bad market conditions after the transformation, the rate of return on bank financial management has declined.
3. The industry is refreshing. After the new regulations on asset management, bank wealth management products continued to be rectified, and some "high-interest" products with mismatch characteristics gradually faded out of the market under heavy regulatory pressure.
Nowadays, bank financial management does not promise to guarantee capital. Before choosing, you must evaluate your own risk tolerance and choose financial products that match your risk tolerance. The above is the whole content. I hope it will be helpful to you. You helped.