In recent years tail, due to regulatory layer halted has 1 months following of short-term financial products, led market Shang to 1 days, and 7 days, and 14 days, period for a investment cycle of scroll type financial products prevailed, investors simply purchased once, in does not redemption of situation Xia, products due Hou investment principal will automatically roll into Xia a investment cycle. both meet has liquidity of demand, also meet has above bank savings of investment financial demand. but, increasingly more of Bank launched scroll type financial products, investors in select Shi also didn't so simple, Different banks have different trading products rules, investors before the selection, or to first on the scroll-shaped do understand financial products. Product yields big because it is scrolling-financial products, since meet the liquidity, the benefits of these products natural rather than longer-term financing products. 1-day products, for example, currently 1-day annualized yield at around 2%, but the family silver
Line of products differences also is large. some Bank in a time within to out of expected proceeds is fixed of, as cross line "deli Po · days added Lee" c paragraph extreme financial products, since on October 17 yilai, has been maintained 2.5% of years of proceeds rate. some products under customer each pen investment principal participation financial days of length, provides stepped increment type expected years of proceeds rate, holds time more long, financial proceeds more high. as CCB of "day Crescent spill day day type" products, holds 7 days following of, expected years of proceeds rate 2.05 %; And more than 7 days (inclusive) but less than 14 days, expected annualised yield 2.2%; the highest is holding more than 90 days (inclusive), expected annualised yields 3.45%. Products above the expected rate of return is relatively fixed, 1-day only Shanghai banks "Hui Choi spirit" according to the functioning of the capital every day offer, last day of quotation is annualised yields 4.6449%, November
Since has always been maintained at over 4%, has reached a maximum of 5.1359%. This yields nearly 3-year savings rate, and is the actual quote yields a day annualized yield. Purchased products time has stress currently 7 days scroll products of proceeds rate basic in 3%-4% around. as BOC of 7th has about products to out years of 3% of guarantee proceeds rate; deep development of gather Po week added Lee products (7 days), to out years of 4% of capital preservation floating proceeds rate; pumped made Bank will its "week Zhou Xiangying" 1th, financial plans products of expected years of proceeds rate by originally of 2.6% upgrade to current of 4%. Compared to yield difference, 7 day rolling financial product purchase time particular about. 7 day rolling financial products currently on the market there are two main categories: those who can buy a day, next day interest, 7 day cycle. Bank every day, Monday through Friday with a 7-day rolling products, divided into 5th Monday to buy 1
,, Tuesday buy 2nd,, and so on, every day buy to of products are is second days meter income, maximum to improve has funds utilization. but also has class products is weekly only one day is up income day, other time buy on will has a blank period, to until up income day only began meter income. as a paragraph products weekly three meter income, if investors in Tuesday buy, is second days on can meter income, if is Wednesday buy, is to until Xia Wednesday only began meter income, for no reason more has 7 days of blank period. so investors purchased this class products of time has stress, At least must first understand the products of interest. Buy products don't neglect details, scroll-type financial product there are a few details need to be aware. first of all, most of these products excluding compounding scroll next cycle is the principal investments, usually weekly or monthly fixed interest of this phase will be a day of into the personal accounts. Secondly, the funds redemption time daozhang there are differences of different products in 1-day products, for example
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