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“双节”主题理财产品到来 警惕资金长时间空站岗

简介:

“双节”主题理财产品到来 警惕资金长时间空站岗

银行借节日契机推出针对特定时期或特定客群的专享理财产品,并为此上调一定的收益率吸金已是常态。适逢中秋国庆,有银行连推多款节日专享理财产品,还有银......“双节”主题理财产品到来 警惕资金长时间空站岗

正文:

银[yin]行[xing]借[jie]节[jie]日[ri]契[qi]机[ji]推[tui]出[chu]针[zhen]对[dui]特[te]定[ding]时[shi]期[qi]或[huo]特[te]定[ding]客[ke]群[qun]的[de]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin],并[bing]为[wei]此[ci]上[shang]调[diao]一[yi]定[ding]的[de]收[shou]益[yi]率[lv]吸[xi]金[jin]已[yi]是[shi]常[chang]态[tai]。适[shi]逢[feng]中[zhong]秋[qiu]国[guo]庆[qing],有[you]银[yin]行[xing]连[lian]推[tui]多[duo]款[kuan]节[jie]日[ri]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin],还[huai]有[you]银[yin]行[xing]的[de]节[jie]日[ri]专[zhuan]享[xiang]理[li]财[cai]出[chu]现[xian]“一[yi]日[ri]售[shou]罄[qing]”爆[bao]款[kuan]。但[dan]分[fen]析[xi]人[ren]士[shi]提[ti]醒[xing],节[jie]日[ri]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin]通[tong]常[chang]节[jie]后[hou]才[cai]开[kai]始[shi]计[ji]息[xi],投[tou]资[zi]者[zhe]需[xu]谨[jin]慎[shen]衡[heng]量[liang]“资[zi]金[jin]站[zhan]岗[gang]”损[sun]失[shi],避[bi]免[mian]冲[chong]动[dong]投[tou]资[zi]。 中[zhong]国[guo]理[li]财[cai]网[wang]显[xian]示[shi],目[mu]前[qian]已[yi]有[you]多[duo]只[zhi]节[jie]日[ri]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin]发[fa]行[xing],例[li]如[ru]建[jian]设[she]银[yin]行[xing]发[fa]行[xing]的[de]只[zhi]节[jie]日[ri]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin],募[mu]集[ji]期[qi]均[jun]自[zi]月[yue]日[ri]至[zhi]月[yue]日[ri]开[kai]始[shi],月[yue]日[ri]或[huo]月[yue]日[ri]结[jie]束[shu],封[feng]闭[bi]期[qi]为[wei]-天[tian]不[bu]等[deng],预[yu]期[qi]收[shou]益[yi]率[lv]在[zai].%-.%之[zhi]间[jian],起[qi]始[shi]计[ji]息[xi]日[ri]为[wei]月[yue]日[ri]或[huo]月[yue]日[ri]。 一[yi]位[wei]国[guo]有[you]银[yin]行[xing]理[li]财[cai]经[jing]理[li]对[dui]北[bei]京[jing]商[shang]报[bao]记[ji]者[zhe]表[biao]示[shi],大[da]行[xing]对[dui]中[zhong]秋[qiu]节[jie]、国[guo]庆[qing]节[jie]的[de]优[you]惠[hui]力[li]度[du]不[bu]大[da]。“现[xian]在[zai]银[yin]行[xing]理[li]财[cai]收[shou]益[yi]率[lv]都[du]在[zai]持[chi]续[xu]往[wang]下[xia]走[zou],这[zhe]次[ci]的[de]节[jie]日[ri]理[li]财[cai]收[shou]益[yi]率[lv]也[ye]不[bu]高[gao]。”她[ta]表[biao]示[shi],相[xiang]比[bi]之[zhi]下[xia],一[yi]些[xie]中[zhong]小[xiao]银[yin]行[xing]推[tui]出[chu]的[de]节[jie]日[ri]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin]收[shou]益[yi]率[lv]上[shang]调[diao]幅[fu]度[du]可[ke]能[nen]会[hui]比[bi]较[jiao]大[da]。 记[ji]者[zhe]注[zhu]意[yi]到[dao],确[que]有[you]不[bu]少[shao]中[zhong]小[xiao]银[yin]行[xing]借[jie]“双[shuang]节[jie]”噱[xue]头[tou]“大[da]促[chun]”理[li]财[cai]产[chan]品[pin],吸[xi]金[jin]效[xiao]果[guo]显[xian]著[zhu]。 一[yi]位[wei]城[cheng]商[shang]行[xing]理[li]财[cai]经[jing]理[li]便[bian]告[gao]诉[su]北[bei]京[jing]商[shang]报[bao]记[ji]者[zhe],该[gai]行[xing]推[tui]出[chu]中[zhong]秋[qiu]节[jie]、国[guo]庆[qing]节[jie]个[ge]人[ren]结[jie]构[gou]性[xing]存[cun]款[kuan],募[mu]集[ji]期[qi]自[zi]月[yue]日[ri]到[dao]月[yue]日[ri],封[feng]闭[bi]期[qi]分[fen]别[bie]为[wei]天[tian]、天[tian],预[yu]期[qi]收[shou]益[yi]率[lv]分[fen]别[bie]为[wei].%、.%。该[gai]款[kuan]节[jie]日[ri]专[zhuan]享[xiang]产[chan]品[pin]收[shou]益[yi]率[lv]相[xiang]比[bi]于[yu]其[qi]他[ta]产[chan]品[pin]进[jin]行[xing]了[liao]一[yi]定[ding]上[shang]调[diao],她[ta]表[biao]示[shi],“今[jin]天[tian]早[zao]上[shang]刚[gang]发[fa]售[shou],现[xian]在[zai]已[yi]经[jing]快[kuai]抢[qiang]购[gou]完[wan]了[liao]”。 但[dan]值[zhi]得[de]注[zhu]意[yi]的[de]是[shi],节[jie]日[ri]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin]募[mu]集[ji]期[qi]较[jiao]长[chang],且[qie]起[qi]息[xi]日[ri]通[tong]常[chang]安[an]排[pai]在[zai]节[jie]后[hou]。普[pu]益[yi]标[biao]准[zhun]研[yan]究[jiu]院[yuan]统[tong]计[ji]数[shu]据[ju]显[xian]示[shi],月[yue]日[ri]-日[ri]全[quan]国[guo]共[gong]发[fa]行[xing]的[de]款[kuan]封[feng]闭[bi]式[shi]理[li]财[cai]产[chan]品[pin]的[de]平[ping]均[jun]募[mu]集[ji]期[qi]为[wei]天[tian]。相[xiang]比[bi]之[zhi]下[xia],中[zhong]秋[qiu]国[guo]庆[qing]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin]的[de]募[mu]资[zi]时[shi]间[jian]更[geng]长[chang]。北[bei]京[jing]商[shang]报[bao]记[ji]者[zhe]统[tong]计[ji],此[ci]次[ci]银[yin]行[xing]发[fa]行[xing]的[de]“双[shuang]节[jie]”专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin]募[mu]集[ji]期[qi]通[tong]常[chang]超[chao]过[guo]天[tian],还[huai]有[you]的[de]产[chan]品[pin]募[mu]集[ji]期[qi]长[chang]达[da]天[tian]。 对[dui]此[ci],普[pu]益[yi]标[biao]准[zhun]研[yan]究[jiu]员[yuan]黄[huang]晓[xiao]旭[xu]提[ti]醒[xing],由[you]于[yu]中[zhong]秋[qiu]国[guo]庆[qing]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin]大[da]多[duo]是[shi]-个[ge]月[yue]的[de]短[duan]期[qi]产[chan]品[pin],募[mu]集[ji]期[qi]的[de]拉[la]长[chang]会[hui]降[jiang]低[di]实[shi]际[ji]收[shou]益[yi]率[lv],对[dui]投[tou]资[zi]者[zhe]带[dai]来[lai]“资[zi]金[jin]站[zhan]岗[gang]”损[sun]失[shi],这[zhe]种[zhong]情[qing]况[kuang]下[xia]购[gou]买[mai]节[jie]假[jia]日[ri]专[zhuan]属[shu]理[li]财[cai]产[chan]品[pin]的[de]性[xing]价[jia]比[bi]并[bing]不[bu]高[gao]。所[suo]以[yi],投[tou]资[zi]者[zhe]对[dui]于[yu]节[jie]日[ri]专[zhuan]享[xiang]类[lei]理[li]财[cai]产[chan]品[pin]需[xu]特[te]别[bie]关[guan]注[zhu]募[mu]集[ji]期[qi]和[he]起[qi]息[xi]日[ri]期[qi]的[de]问[wen]题[ti],尽[jin]量[liang]避[bi]免[mian]购[gou]买[mai]期[qi]限[xian]过[guo]短[duan]的[de]理[li]财[cai]产[chan]品[pin]而[er]导[dao]致[zhi]实[shi]际[ji]收[shou]益[yi]率[lv]被[bei]拉[la]低[di]。 麻[ma]袋[dai]研[yan]究[jiu]院[yuan]高[gao]级[ji]研[yan]究[jiu]员[yuan]苏[su]筱[xiao]芮[rui]也[ye]表[biao]示[shi],对[dui]投[tou]资[zi]者[zhe]来[lai]说[shuo],考[kao]虑[lv]资[zi]金[jin]站[zhan]岗[gang]损[sun]失[shi]是[shi]一[yi]道[dao]“计[ji]算[suan]题[ti]”。如[ru]果[guo]投[tou]资[zi]者[zhe]在[zai]月[yue]日[ri]时[shi]前[qian]投[tou]资[zi]货[huo]币[bi]基[ji]金[jin],国[guo]庆[qing]期[qi]间[jian]就[jiu]可[ke]以[yi]享[xiang]受[shou]到[dao]收[shou]益[yi]。因[yin]此[ci],相[xiang]对[dui]较[jiao]高[gao]的[de]预[yu]期[qi]年[nian]化[hua]收[shou]益[yi]扣[kou]去[qu]等[deng]待[dai]期[qi]因[yin]素[su],如[ru]果[guo]仍[reng]然[ran]高[gao]于[yu]普[pu]通[tong]类[lei]产[chan]品[pin],才[cai]具[ju]有[you]投[tou]资[zi]价[jia]值[zhi]。 北[bei]京[jing]商[shang]报[bao]记[ji]者[zhe]注[zhu]意[yi]到[dao],国[guo]有[you]大[da]行[xing]推[tui]出[chu]的[de]节[jie]日[ri]专[zhuan]属[shu]理[li]财[cai]产[chan]品[pin]收[shou]益[yi]率[lv]并[bing]不[bu]高[gao]。对[dui]此[ci],黄[huang]晓[xiao]旭[xu]表[biao]示[shi],整[zheng]体[ti]来[lai]看[kan],由[you]于[yu]各[ge]银[yin]行[xing]处[chu]于[yu]净[jing]值[zhi]化[hua]转[zhuan]型[xing]阶[jie]段[duan],理[li]财[cai]产[chan]品[pin]结[jie]构[gou]发[fa]生[sheng]变[bian]化[hua],新[xin]发[fa]固[gu]收[shou]产[chan]品[pin]难[nan]以[yi]配[pei]置[zhi]收[shou]益[yi]较[jiao]高[gao]的[de]非[fei]标[biao]资[zi]产[chan];加[jia]之[zhi]疫[yi]情[qing]影[ying]响[xiang],央[yang]行[xing]实[shi]施[shi]货[huo]币[bi]政[zheng]策[ce]来[lai]降[jiang]低[di]实[shi]体[ti]企[qi]业[ye]融[rong]资[zi]成[cheng]本[ben],促[chun]进[jin]利[li]率[lv]水[shui]平[ping]下[xia]行[xing],这[zhe]也[ye]使[shi]得[de]银[yin]行[xing]理[li]财[cai]产[chan]品[pin]的[de]收[shou]益[yi]率[lv]将[jiang]在[zai]一[yi]段[duan]时[shi]间[jian]内[na]持[chi]续[xu]下[xia]行[xing]。但[dan]随[sui]着[zhou]转[zhuan]型[xing]期[qi]结[jie]束[shu]、经[jing]济[ji]恢[hui]复[fu]、货[huo]币[bi]政[zheng]策[ce]回[hui]归[gui]常[chang]态[tai],银[yin]行[xing]理[li]财[cai]产[chan]品[pin]收[shou]益[yi]率[lv]将[jiang]不[bu]会[hui]持[chi]续[xu]走[zou]低[di],而[er]是[shi]处[chu]于[yu]较[jiao]为[wei]合[he]理[li]的[de]水[shui]平[ping]。 此[ci]外[wai],一[yi]家[jia]国[guo]有[you]大[da]行[xing]理[li]财[cai]经[jing]理[li]告[gao]诉[su]北[bei]京[jing]商[shang]报[bao]记[ji]者[zhe],一[yi]般[ban]来[lai]说[shuo]银[yin]行[xing]理[li]财[cai]收[shou]益[yi]率[lv]会[hui]在[zai]年[nian]底[di]或[huo]者[zhe]春[chun]节[jie]前[qian]上[shang]浮[fu]比[bi]较[jiao]大[da],可[ke]以[yi]关[guan]注[zhu]年[nian]尾[wei]时[shi]间[jian]点[dian]的[de]产[chan]品[pin]。

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“双节”主题理财产品到来 警惕资金长时间空站岗

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