来源:中国网 小编:朱岳 发布时间:2013年03月01日
内容导读: 春节过后,很多家庭开始了新一年的理财计划,购买银行理财产品成为其中一项重要选择。据Wind数据显示,2012年全年我国各类商业银行共发行银行理财产品已超过了3万款比2011年全年发行数量增幅达近30%。
Paragraphs below 7 QDII products 5 losses of individual product negative 32.5% more than four years
After the Spring Festival, many families began to a financial plan for the New Year, to buy bank financing products become one of the important choice. According to Wind data show that in 2012 China's various types of commercial Banks were issuing bank financial products for more than 30000 model number issued throughout the year than in 2011 increased by nearly 30%.
Bank financial product is not a one-way ticket, however, according to media reports, the eve of the Spring Festival have some investors in a China merchants bank branch in front of the "outrage" China merchants bank is cheater, one woman said to buy 200000 wealth management products expire only got 130000, losses of 35%. Chinese financial journalists to CMB branch clarified the matter above, the bank guangxi surname governor responded that this matter has been disposed of properly. Why action travel products appear so serious losses? Chinese financial journalist combed the merchants bank financial products in recent years, found that the bank wealth management products issued a huge number of which have multiple products appear losses.
Bank QDII products 5 of paragraph 7 losses
Chinese financial journalists by querying the bank website, found that in 2007-2008 concentration of seven new bank QDII wealth management products, operating over the past five years there are still 5 products are losing money.
7 product by the end of 2012 in the largest loss is "ZhaoYin commodity index portfolio", negative 34.10%, followed by invesco fund China negative 28.60%, fidelity funds - China focus fund lost 15.63%, DE sheng total return Asian equity fund was negative 11.58%, Morgan Stanley Asia equity fund lost 2.58%; Dunlop core + satellite twin-engine Asia growth fund and global growth will reach 5.47% and 5.47%.
At the end of 2012, China merchants bank QDII (valet overseas wealth management products) earnings performance (source: China merchants bank website)
In addition, China merchants bank pin in the 2011 s, a trust product losses of 29%, also in early 2013 strong complaints from customers and the media exposure, according to the China merchants bank, private bank customer Mr Li, in 2011 through the bank to buy its goods on a commission basis "chengxin, the daikin equity investment under the trust plans of assembled funds" rabbit 1 book was negative 29%.
"Commodity index portfolio lost 32.5% more than four years
In China 7 "commodity index portfolio losses in the financial product most, much more than 30% in five years, caused huge losses to investors. Reporters through the bank website, the products was established in May 23, 2008, primarily invested in commodity funds, bond funds, money market funds and advanced classes of assets, financial assets. The investment at the Rogers international commodity index TM's public funds no less than 80% of the total net asset value. The product by the net on February 19, 2013, 0.6750, was set up for more than four years, much more than 32.5%.
Chinese financial journalists by combing also found that many overseas commodity fund net worth nearly doubled in 2009, but ZhaoYin "portfolio" commodity index rebound is rather weak, its net worth is back above 0.6. 2010 basic remains the global commodity rally, but ZhaoYin "commodity index portfolio" net only barely rose to 0.7. In 2011, the net value of products the highest reached 0.8 or so, then the global commodity prices under sheering, the financial product into loss increase situation again. As of February 19, 2013, 0.6750 the net value of the product.
2012 bank wealth management products circulation
According to "benefit standards - bank financing ability ranked", 2012, the bank financial product distribution capacity is the top ten Banks in turn: China citic bank (601998, shares), minsheng bank (600016, shares), China construction bank, bank of China, Shanghai pudong development bank, China merchants bank, industrial and commercial bank, huaxia bank (600015, shares), bank of bank of communications and peace (000001, shares). CMB in bank financial product distribution capabilities in sixth place, push the industrial and commercial bank of China.
On the earning power of it, benefit data showed 2012 merchants bank profitability was ranked no. 3, in 72 Banks incorporated in the rankings, the maturing product average EI values (maturity theory from the yield to maturity/deposit rates) is more, average EI values range is relatively small. Maturity product quantity as many as 901, ranks ninth in included in the ranking of Banks.
Bank financial product risk overall controllable scrutiny or will be strengthened
In June 2012, bank of China, chairman, said the bank "hair new claims old" is used to meet at maturity of financial product, is essentially a "ponzi scheme", which a bank financial risks caused extensive discussion.
Under the state council development research center finance research institute vice that Dr Zhang ba shusong said bank financial product regulation could be strengthened, and a focus on improper publicity, non-standard operation of the pool, opaque, self-support and agent all and risks and so on.
Ba shusong wrote, China financial product market was still in the stage of development, risk control, stable overall, but need further specification. In the field of some important link and risk should not be ignored, this includes: rolling issue, term mismatch of the liquidity risk; Pool products information is transparent and asset security risks, at the same time, there are bank off-balance-sheet business risk to the table within the possibility of conduction. Future bank wealth management products need to gradually improve relevant regulations, clear related legal relations, brewing exclusive licence control in Banks set up financial products to boost bank capital of wealth management products cover, etc.
The reports
Us investment Banks to report: the livelihood of the people, China merchants sell goods on a commission basis risk of financial products
U.S. line of Bernstein Research said in a report by the end of 2012, China's joint-stock bank, minsheng bank and China merchants bank, the most keen to sell financial products, on the business risk is huge, if expected default 10% products, sixty percent larger full-year earnings will decay. Data show that bank wealth management products account for deposit 13% of the total, compared with the state-owned four lines of the proportion of 3% 6% is definitely too high.
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