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家庭新账本:宝类和保险理财升至三成

2017-08-21 10:47:59   中国经济网

成立于2013年的余额宝,仅4年多时间,就获得大量的理财用户。数据显示,2013年底,余额宝期末净资产1853.42亿,持有人户数仅为4302.94万户。到2014年底,余额宝规模为5789.36亿元,用户数增加到1.85亿人。截至2015年12月31日,余额宝规模增至6206.90亿元,计用户规模达2.62亿。

个人银行理财保持两位数增速 股市反冷却

虽与余额宝等宝类理财产品用户和金额散而多有一定的差异,不过,银行理财仍保有理财的主力地位,且受欢迎程度不减。

张先生表示,家里零散资金虽然放在余额宝,不过一旦攒到5万元,他母亲就会再购买一份工商银行的5万起投、90天期限的理财产品,该产品为保本型产品,年化收益率3.8%,90天到期后,若家里无需用到大额资金,就让其自动续期。

“银行理财现在期限都不长,短的7天或者14天,长的也多不到一年,两三年的产品不多。”一位金融行业人士对长江商报记者表示,“很多人把它作为期限略微长于随存随取的宝类产品的中短期配置理财资产。”

以张先生为例,若家庭需要大笔开支,在零散资金不够的情况下,可以等为期3个月的理财产品到期后赎回使用,若需求较为急迫,则在牺牲收益情况下,获得本金(非保本型理财产品则获得的是当下现金价值)。

尽管张先生家选择的银行理财产品收益率相对较低,但相比于宝类产品则要上浮一定的幅度。从安全性来说,选择银行理财产品的投资者,风险偏好也属于较低的水平。

普益标准发布的银行理财数据显示,2017年2季度个人理财产品存续数量为4.52万款,环比增长23.81%,存续规模为18.37万亿元,环比增长8.43%,占存续规模总量的65.44%。

个人理财存续规模占比和数量正在上升。长江商报记者梳理发现,2016年末个人理财产品存续3.43万款,存续规模15.31万亿元。零售理财存续规模占到总体存续规模的54.08%。中国银行业协会发布的数据显示,2015年底,个人理财期末余额仅为11.64万亿元,占全部理财产品余额的49.53%;较2014年下降10.05个百分点。

计算发现,个人理财存续规模近三年保持在20%以上的速度增长。而从规模总量来看,尽管增速不如宝类理财产品,但其体量已经远超货币基金5万亿的总量规模。

根据《交银中国财富景气指数报告》第42期显示,从持有率看,银行理财、宝类理财和股票持有率最高,为小康家庭目前理财的“三大主力”。

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