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银行理财收益微降0.01个百分点 未来收益率或在4%小幅波动

2017-09-11 09:17:40   中国经济网

上周银行理财产品的平均预期收益率为4.42%,比此前一周稍微降了0.01个百分点,过去两个月比较平稳。

数据显示,9月1日-9月7日银行理财产品发行量共2634款,平均预期年化收益率为4.42%,较此前一周微降0.01个百分点。从不同期限理财产品来看,3个月以内理财产品928款,平均预期收益率为4.34%,3-6个月理财产品839款,平均预期收益率为4.55%,6-12个月理财产品772款,平均预期收益率为4.40%,12个月以上理财产品69款,平均预期收益率为4.36%。

正常来说,大部分理财产品都是期限越长、收益越高,投资者损失了流动性来换取更高的收益,但今年银行理财市场收益倒挂现象持续了很长时间。近期3-6个月理财产品的收益率一直高于6个月以上的中长期理财产品,这里面可以推测出两点:一是银行中短期资金相对紧缺,二是银行对未来收益走势并不看好,所以不愿意为长期理财产品支出更多成本。

从不同收益区间来看,预期收益率在3%(含3%)以内的理财产品150款,预期收益率在3%-4%(含4%)之间的理财产品397款,预期收益率在4%-5%(含5%)之间的理财产品1577款,预期收益率在5%-6%(含6%)之间的理财产品392款,预期收益率在6%以上的理财产品17款。目前理财产品的收益重心仍在4%-5%之间,而且近期相对稳定。理财产品并非收益越高越好,碰到收益率超过5.5%的理财产品要小心。上周收益率超过5.5%的理财产品中,只有2款是非结构性理财,预期收益率超过5.65%的理财产品全部是结构性理财,这类产品的预期高收益未必能拿到手。

近两个月银行理财市场比较平稳,收益率一直在4%左右小幅波动,上下浮动范围不超过0.03个百分点,而这一趋势很有可能持续下去。综合

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