1. The bank's wealth management began to default. In fact, it is not surprising to see that banks default in financial management now, but at the beginning of 20 18, it was an unacceptable fact for ordinary people. ? At the beginning of 20 18, the bank's funds continued to be tight, and China Merchants Bank finally faced a default of 654.38 billion yuan of wealth management products. At that time, bank financing was no longer synonymous with "guaranteeing capital and interest". It was precisely because bank financing broke the redemption that people's views on bank financing began to change slightly.
Like funds, wealth management products are indirect investment tools. They mainly invest in safe money and bond markets, so they are favored by ordinary people. ? The new asset management regulations promulgated on 20 18 relaxed the restrictions on the public offering of wealth management products, and allowed the public offering of wealth management products, including bank wealth management, to indirectly enter the stock market by investing in various publicly raised funds, so that wealth management products can be widely invested, the risks naturally increase, and the funds used for capital preservation naturally cannot adapt. ?
2. The income from financial management declines, and the lock-up period of regular financial management is longer. Friends who buy wealth management should know that it is an indisputable fact that the rate of return on wealth management is gradually decreasing. The biggest impact on us is that in order to obtain higher returns, we must extend the investment period management of financial management. For example, the current wealth management income is about 2.8%-3%, the monthly and quarterly income is about 3.6%, and the annual income is about 3.8%. Although the income is several times that of time deposits, it also faces a longer liquidation period. ? This is obviously not suitable for those who are conservative or have high liquidity requirements. Therefore, after a comprehensive assessment of risks, I think time deposits are still relatively safe.
3. Smart deposits and structured deposits. The so-called smart deposit refers to new deposit products launched by some small and medium-sized banks and Internet financial platforms. On some platforms, the highest interest rate of such deposits can be as high as 4.5% per annum, with maturities ranging from 14 days to 299 days and yields ranging from 4% to 4.8%. The other is structured deposits. In essence, you divide the deposit into two parts, one is deposited in the deposit, and the other is invested in high-risk financial derivatives, such as options and futures. At this time, the price of derivative assets rises and falls, and the income of your structured deposit products will expand. If it is a capital preservation type, the loss also has the basic income of capital preservation. Generally speaking, this is the current income or slightly higher.
For example, the income of index structured deposits fluctuates from 0.2% to 5%, that is, the minimum guaranteed capital is 0.2% and the highest possible interest rate is 5%. When the basic index reaches a certain point indicated in the product specification, the income of the product will increase with the increase of the index, and vice versa. But overall, the risk level of bank financing is not too high at present. At present, most of the wealth management products of state-owned banks and national joint-stock banks have not defaulted. When choosing a wealth management product, ordinary investors can judge whether it is safe according to the public information in the product manual, such as the investment scope of the fund, the qualification of the custodian (bank) and other important indicators that can indirectly affect it. Reflect the safety of products.