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银行理财市场量价齐跌 结构性理财产品“亏损”数量增多

来源: 南方日报网络版     时间: 2019年08月26日 03:12:56
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(  新)(华)(社)(上)(海)(3月)(15日)(专)(电)(题)(:银)(行)(理)(财)(市)(场)(量)(价)(齐)(跌)( 结)(构)(性)(理)(财)(产)(品)(“亏)(损)(”数)(量)(增)(多)(  新)(华)(社)(记)(者)(王)(淑)(娟)(  受)(春)(节)(因)(素)(影)(响)(,2月)(银)(行)(理)(财)(产)(品)(发)(行)(量)(大)(幅)(减)(少)(,银)(行)(理)(财)(产)(品)(平)(均)(预)(期)(收)(益)(率)(继)(续)(下)(跌)(。值)(得)(注)(意)(的)(是)(,以)(外)(资)(银)(行)(为)(发)(行)(主)(力)(军)(的)(结)(构)(性)(理)(财)(产)(品)(“亏)(损)(”数)(量)(明)(显)(增)(多)(。  银)(率)(网)(的)(数)(据)(显)(示)(,2月)(份)(商)(业)(银)(行)(累)(计)(共)(发)(行)(3651款)(理)(财)(产)(品)(,较)(1月)(份)(减)(少)(29.22%。银)(率)(网)(分)(析)(师)(闫)(自)(杰)(认)(为)(,这)(主)(要)(是)(受)(春)(节)(长)(假)(影)(响)(,2月)(份)(时)(间)(相)(对)(较)(短)(。  从)(收)(益)(上)(看)(,2月)(份)(人)(民)(币)(理)(财)(产)(品)(平)(均)(预)(期)(收)(益)(率)(为)(4.14%,较)(上)(月)(下)(降)(0.08个)(百)(分)(点)(。2月)(份)(并)(没)(有)(出)(现)(春)(节)(行)(情)(,而)(是)(延)(续)(下)(跌)(趋)(势)(,主)(要)(原)(因)(是)(资)(产)(端)(投)(资)(回)(报)(率)(下)(降)(等)(。  具)(体)(来)(看)(,2月)(份)(非)(保)(本)(浮)(动)(收)(益)(类)(理)(财)(产)(品)(平)(均)(预)(期)(收)(益)(率)(为)(4.40%,较)(上)(月)(下)(降)(0.12个)(百)(分)(点)(。保)(本)(浮)(动)(收)(益)(类)(理)(财)(产)(品)(平)(均)(预)(期)(收)(益)(率)(为)(3.37%,较)(上)(月)(下)(降)(0.1个)(百)(分)(点)(。保)(证)(收)(益)(类)(理)(财)(产)(品)(平)(均)(预)(期)(收)(益)(率)(为)(3.31%,较)(上)(月)(下)(降)(0.28个)(百)(分)(点)(。  闫)(自)(杰)(认)(为)(,银)(行)(理)(财)(产)(品)(收)(益)(有)(持)(续)(下)(行)(趋)(势)(。从)(去)(年)(下)(半)(年)(开)(始)(,债)(务)(违)(约)(、汇)(率)(波)(动)(等)(事)(件)(频)(频)(发)(生)(,资)(产)(端)(整)(体)(风)(险)(上)(升)(,优)(质)(资)(产)(议)(价)(能)(力)(提)(高)(,加)(上)(目)(前)(低)(利)(率)(的)(环)(境)(,银)(行)(理)(财)(在)(市)(场)(上)(越)(来)(越)(难)(寻)(找)(高)(投)(资)(回)(报)(率)(的)(稳)(健)(资)(产)(项)(目)(,收)(益)(下)(行)(不)(可)(避)(免)(。  “在)(目)(前)(的)(低)(利)(率)(环)(境)(下)(,投)(资)(回)(报)(率)(不)(太)(可)(能)(出)(现)(大)(幅)(回)(升)(。不)(过)(,一)(季)(度)(是)(银)(行)(传)(统)(的)(旺)(季)(营)(销)(时)(间)(,存)(款)(、理)(财)(、客)(户)(的)(新)(增)(和)(留)(存)(依)(然)(是)(考)(核)(重)(点)(,据)(此)(预)(计)(3月)(底)(之)(前)(银)(行)(理)(财)(产)(品)(收)(益)(率)(大)(概)(率)(维)(持)(小)(幅)(波)(动)(的)(平)(稳)(走)(势)(,投)(资)(者)(可)(重)(点)(关)(注)(这)(一)(时)(期)(一)(些)(股)(份)(制)(银)(行)(和)(大)(型)(城)(市)(商)(业)(银)(行)(发)(行)(的)(产)(品)(,收)(益)(相)(对)(都)(比)(较)(高)(。”闫)(自)(杰)(说)(。  值)(得)(关)(注)(的)(是)(,2月)(份)(到)(期)(的)(297款)(结)(构)(性)(理)(财)(产)(品)(中)(有)(78款)(未)(达)(预)(期)(最)(高)(收)(益)(率)(,占)(到)(期)(结)(构)(性)(理)(财)(产)(品)(总)(数)(的)(26.26%。这)(78款)(不)(达)(标)(产)(品)(的)(平)(均)(预)(期)(收)(益)(率)(最)(高)(为)(6.92%,而)(到)(期)(后)(的)(平)(均)(实)(际)(收)(益)(率)(仅)(为)(1.51%,差)(值)(高)(达)(5.41个)(百)(分)(点)(。  从)(银)(率)(网)(披)(露)(的)(数)(据)(看)(,其)(中)(汇)(丰)(银)(行)(有)(5款)(产)(品)(的)(实)(际)(收)(益)(率)(为)(预)(期)(最)(低)(年)(化)(收)(益)(率)(,都)(是)(-10%,也)(就)(是)(说)(本)(金)(亏)(损)(10%。而)(2015年)(整)(个)(银)(行)(理)(财)(市)(场)(披)(露)(的)(数)(据)(中)(,只)(有)(2款)(产)(品)(的)(到)(期)(实)(际)(收)(益)(率)(为)(负)(值)(。  市)(场)(人)(士)(认)(为)(,在)(理)(财)(收)(益)(下)(降)(的)(驱)(使)(下)(,结)(构)(性)(理)(财)(产)(品)(的)(平)(均)(预)(期)(相)(对)(较)(高)(,很)(有)(吸)(引)(力)(,但)(投)(资)(者)(要)(根)(据)(自)(己)(的)(投)(资)(经)(验)(和)(风)(险)(承)(受)(能)(力)(谨)(慎)(投)(资)(,不)(宜)(盲)(目)(追)(求)(高)(收)(益)(而)(忽)(略)(其)(中)(的)(风)(险)(。来)(源)(新)(华)(社)()
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