Four "Best" Financial Products In 2010

2010 was accompanied by the soaring commodity prices and exchange rate And the supervision order of bank trust cooperation with unprecedented strength in the middle of the year. To tread accurately market The rhythmic financial products finally won proud profits, while the financial products with poor operation level were suffering from deeper losses, and the stable financial products with low yield were increasingly driven by high inflation conduct financial transactions The product is extraordinary.

　　 Best performance: golden financial products

If you want to ask about the most outstanding financial products in 2010, it must be the gold related financial products. A QDII product of a foreign bank investing in gold funds has occupied the top of the income list of wealth management products for a long time this year. The self managed gold investment and wealth management product issued by a domestic bank also achieved an annual yield of more than 40%.

　　 Most issued: bond financial products

As the cooperation between banks and trust companies was suspended in July 2010 and then strictly supervised, the credit financial products in the cooperative financial products of banks and trust companies gradually shrank in the second half of the year after the massive issuance in the first half of the year, and were replaced by the equally stable bond financial products.

According to the statistical data of Puyi Wealth, the issuance of RMB bond products accounted for 38.00% of the total issuance of wealth management products in 2010, and the foreign currency bond products accounted for about 15.37%, accounting for 53.37% in total, accounting for half of the country.

　　 Invest in the most complex: portfolio products

In the second half of this year, with the credit products "ceasing", portfolio products have gradually become the mainstream of bank trust cooperative financial products. The combination products are designed to win higher returns. The investment direction and investment object are increasing day by day, becoming the most complex financial products.

I'm afraid only the managers of wealth management products know how much money has been invested in various bonds, trust loans and new shares. Only a few banks have announced the investment of portfolio products on time.

　　 Most popular: credit products

Among the stable financial products, the expected rate of return and yield to maturity of credit products are relatively high; From the perspective of issuers, credit products are also welcomed by banks because they facilitate banks to transfer credit assets off balance sheet to avoid credit scale supervision. According to the statistics of CBRC, from January to June this year, the distribution scale of bank trust products has exceeded 2.4 trillion yuan.

After the bank trust cooperation was strictly supervised in the second half of the year, a bank has not stopped issuing credit products. The person from the retail business department of the bank told the reporter that the customer's demand for such products was very large, which was the main reason why the products were not stopped.