Two. China has a lot of Public Offering of Fund. If you are not a professional, it is more difficult to identify your own wealth management products. The credibility of banks is higher than that of sellers of wealth management products such as brokers. I hope the bank will live up to the trust of the masses. Therefore, the wealth management products launched by banks are still relatively reliable. After all, the property safety of the people is also very important. Banks will consider the affordability of ordinary people when developing wealth management products, and the possibility of large-scale losses is relatively small.
Three. The quota is limited, which may be 65.438+0 billion-65.438+0 billion, and it must be restricted. For the deposits in the hands of the masses, wealth management products of this scale are simply a light rain in Mao Mao. Generally, the subscription is completed on the same day, and sometimes it is exceeded.
I think these three points can better summarize the reasons why bank wealth management products sell well.
The topic may be about bank wealth management products. Indeed, the wealth management products sold by some small and medium-sized banks are often robbed in a very short time because of their limited scale, which is mainly due to the following reasons:
1. Risk preference decreases, and bank wealth management products are generally loved by risk-averse investors because of their low risk characteristics. At present, the risk of financial management in the stock market and the Internet is high, and some investors who used to be venture capitalists also tend to buy financial products to ensure income.
2. At the end of the expected wealth management products, according to the arrangement of the central bank and the China Banking Regulatory Commission, the expected income products will gradually withdraw from the market, and there will be more and more net worth products, that is to say, wealth management products will no longer be rigidly redeemed. But in the future, considering the bank's own reputation and other factors, the probability of getting the bottom line is very high, but at present, it is best to buy products with expected returns at one time and less.
3. The output will gradually decrease. At present, the income of bank wealth management products is around 4.4%, which is only higher than large deposit certificates. However, this rate of return is still attractive, because with the RRR cut by the central bank, the liquidity will increase in the future, the shortage of funds will be further alleviated, and the yield of wealth management products will be further reduced.
4. The bank's own hype. Some products with rigid redemption nature are often limited in scale when the rate of return is attractive. For example, the scale is only 654.38 billion yuan, which belongs to selling people's heads and attracting savings funds. This situation often happens in some small and medium-sized banks and rural commercial banks, especially some city commercial banks operating across provinces.
Finally, I would like to remind you that whether it is a bank wealth management product, a brokerage company, an insurance company or an Internet wealth management product, you need to know the product itself in detail during the purchase process, so as not to fall into a wealth management policy, invest in P2P, or even fall into illegal fund-raising. Don't be fooled by high returns and so-called "second grab". It is very important to make a good risk assessment and understand the product itself.
Over the past six months, the financing quotas of major commercial banks have become tight, and basically they will be sold out on the first day of issuance. The interest rate of wealth management continues to decline. Why do people still flock to the bank for financial management?
Engaged in financial management at the end of 20 16, and financial management continued to be brilliant for another year on 20 17. At that time, the expected rate of return of non-guaranteed floating income financing reached 5.3%, and the expected rate of return of guaranteed income financing reached 4.3%. At the beginning of 20 18, the financial interest rate began to decline. When banks implemented wealth management in 20 13 and 20 14, people didn't accept it at first. At that time, it took a lot of effort to market a wealth management customer. However, after a few customers tried it, they found that the principal and interest would arrive safely at maturity, and people gradually accepted it, and the financial management team continued to grow and develop.
In the golden age of bank financing development, p2p accounted for a large share. With the continuous outbreak of p2p, people find that traditional banks are safer, and many customers return to banks for financial management.
20 18 issued new regulations on asset management. Although the detailed rules are expected to be delayed until the end of 2020, major banks have begun to change the direction of financial management, and bank financial management is exploring new ideas of net worth financial management.
Financial management, the future can be expected, let us wait and see!