2月银行理财量价齐落 收益率下行趋势已确定
近期,月银益率已确在余额宝等互联网理财产品收益率纷纷跌破6%的行理下行同时,银行理财产品的财量收益率也已呈下行趋势,市场上预期收益率在6%以上的价齐理财产品越来越少。另一方面,落收高收益理财产品的趋势起购金额设置也更高,让不少普通投资者望洋兴叹。月银益率已确
收益率下行趋势已定
2月银行理财量价齐落
据普益财富的行理下行调查数据显示,上周,财量除组合投资类产品预期收益较前一周微升0.02个百分点外,价齐其他产品预期收益率均下滑。落收其中,趋势人民币债券和货币市场类产品预期收益率下滑0.17个百分点;融资类产品预期收益率下滑0.45个百分点;结构性产品平均预期收益率下滑0.37个百分点。月银益率已确
从整个2月的行理下行理财市场数据来看,受春节长假影响,财量2月银行理财市场发行量大幅下降,同时,由于节后银行间资金面超预期宽松,银行理财收益率较上月明显回落。据金牛理财网监测数据显示,2月149家商业银行共新发3964款产品,环比少发921款。新发产品中非结构性人民币理财产品3705款,环比少发904款;平均预期收益率环比下跌13个基点至5.60%。
记者查询发现,在目前广州市在售的理财产品中,虽然不乏预期收益率在6%以上的产品,但数量于春节长假结束时已有所减少,昨日在售的理财产品中预期收益率高于6%的仅19款,而这一数字在春节结束时为32款。另外,记者也注意到,面对即将来临的妇女节,有2家银行推出了4款相关产品,但收益率与此前的节假日相比较低,最高的是一款浦发银行的美丽女人节专享产品,预期收益率达6.05%。
银率网分析师牛雯认为,银行理财产品收益率下行趋势正在逐渐确立,这与货币市场收益率近期出现回归的现象相吻合,预计在未来一段时间银行理财产品的收益率更多以微调的姿态呈现。
银行嫌贫爱富
理财设门槛收益差别大
另一方面,尽管市场上仍存在一些收益率超过6%的产品,不过,动辄50万元以上的购买起点令不少普通投资者望洋兴叹。记者发现,在这4款针对妇女节发行的专享理财产品中,平安银行的2款产品起购金额都高达100万元,预期收益率分别为5.35%和5.45%,期限分别为150天和160天,均是非保本浮动收益型产品。
据金牛理财网监测数据显示,在上周发行的高收益产品中,过半产品的投资门槛都在10万元及以上,其平均收益率一般超过低门槛产品25个基点左右。其中,国有大行发行的225款产品中,投资起点在5万元以上的产品占比达到48%,平均收益率5.4%,平均期限116天。另外,上周股份制银行投资起点在5万元以上的高门槛产品占比达到44%,平均收益率5.87%,期限143天。相比之下,城商行发行的理财产品相对亲民,上周投资起点在5万元以上的产品占比不到三成,平均收益率5.83%,期限144天。
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