Product-intensive short-term bank earnings release can live five times the money demand
Investment policy is not known to the super-hard to choose short-term bank financing products intensive distribution

February CPI rose 2.7%, surpassing Bank of one-year fixed deposit interest rates 2.25%, negative interest rate era, thus raising interest rates is expected to heat up.

In the policy of the uncertain direction of investment is difficult to grasp, many investors in the hands of "living money" is also more up, ultra-short-term bank financial products are so dense distribution, the annual rate of return is generally 1.4% to 2%, and demand high interest rates to reach nearly 5 times.

Text / Table reporter Li Wen

No fixed term and ultra-short-term financial products is the first product of heavy financial banks, the amount of 5 million as a general starting point, an additional subscription unit is an integer multiple of 1,000 yuan.

If investments by 10 million "golden key" 7-day period product, then the customer returns the current cycle for the 100000 × 1.7% × 7 / 365 = 32.6 million the same period, interest on bank deposits for the 100000 × 1.35% × 7 / 365 = 25.89 Yuan , demand only the revenue of the 100000 × 0.36% × 7 / 365 = 6.9 Yuan.

In addition to most of 1 day, 7 days, 14 days, 1 month and other fixed period of time, there are ultra-short-term bank introduced a more flexible period of financial products. Such as the Industrial and Commercial Bank of China introduced ultra-short-term financial products "informed the fast lane," no fixed term and rolling into two kinds, like rolling nature of most banks ultra-short-term financial products, such as a 7-day period, the highest expected rate of return of 1.6 %, with no fixed-term interest rate product is currently 1.4%, investors can redeem at any time, in accordance with the number of days to hold interest income.

Currently issued by the majority of ultra-short-term bank financial products are shown to be a floating gains, there is the risk of loss of principal.

China Merchants Bank has two ultra-short-term financial products, namely, gold and day day profit, names are very close, but it is worth noting that although the daily profit is expected to yield slightly higher than the daily payment, but the day earnings are not capital preservation, zhizhgin, it is committed to keeping the capital.

Early redemption of funds at different times Dao Zhang

The same time, investors redeemed product, there are also differences.

CCB's "Qianyuan advantageous" operation, individual customers can be redemption or purchase, and financial management system to perform at the open day on a product T 12:00 to 12:00 appointment initiated during the redemption instructions, will redeem the above-mentioned reservation Back to the funds paid to the customers signed up account.

If the customer open day before the 12 o'clock, "redemption" application, then the redemption of funds paid to the customers in the afternoon signing accounts; if the customer open day made after 12 o'clock, "redemption" application, then the redemption of funding of an open afternoon on the next payment to the customers signed up accounts; if the customers in the non-open day that "redemption" application, then the redemption of funds in the non-open after the first open day was the afternoon of payment to the customers signed up accounts.

Product-intensive short-term bank earnings release can live five times the money demand

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