1. The decrease in the income of bank wealth management products is related to the decrease in the income of invested financial instruments on the one hand, and the decrease in the overall yield of the investment market on the other hand. Most bank wealth management products are closed and have poor liquidity. But its advantage is capital preservation, which is a better investment choice for conservative investors. The decline in the income of bank wealth management products is inseparable from the general environment. As you can see, when the income of bonds and money funds is falling, the income of bank wealth management products often falls.

only when the overall market performance is good, the income of bank wealth management products may increase.

first, if the deposit interest rate is not high, the interest rate of bonds in the market, whether it is national debt or other bonds, may not generally increase accordingly, so the deposit interest rate may be a basis for other bond rates.

Second, there may be more funds available for investment in the market now, but there may be fewer places where stable investment returns can be obtained, and more and more funds may be biased towards safe and stable investment returns, or there may be more funds to choose some safe deposits and safer bond products.

Third, in fact, the yield of general wealth management products itself may be very difficult to achieve. Generally, at most, it means investing in deposit products and making some investments in the bond market. If you want to invest in other varieties, the risks may be very high. Now, financial regulators may have done some standardization and management on wealth management products, and the issuance of wealth management products with high yield but high risks may also be subject to some strict restrictions.

Therefore, with the increasing awareness of many investors on the risks of wealth management investment products and the restrictions imposed by financial regulators on high-risk wealth management products, more funds may flood into wealth management products with higher safety and lower yield. Due to the increase of investment funds, the yield of this kind of wealth management products may also decrease.

fourth: affected by the epidemic, the domestic and international markets continue to be depressed.