yields 5.8%

"Expansion" for nearly a year Bank short-term financing products would shine in the end, but suddenly in supervision of slam. China Banking Regulatory Commission Chairman Shang Fulin, China Banking Regulatory Commission will this year fourth informed analysis of the economic and financial situation of the meeting stressed that "not through short and ultra short, higher-yielding financial products of high interest rates put storage in disguise, in month-end, quarter disguised regulation deposits than those regulatory objectives star wars the old republic, For regulatory arbitrage, stepped on the term within a month of financial product disclosure and compliance management, eliminate products do not meet regulatory requirements. "This is the second post a notice on September 30 the emergency requiring commercial banks may not be the issue of short-term and super short disguised high interest rates, higher-yielding financial products look reservoir, China Banking Regulatory Commission officially halted within a period of 1 month's financial productsMake it clear. "Not to 40 days to go before the end of time, China Banking Regulatory Commission halted financial products within the period of one month, will undoubtedly be a bad news for us. "A joint-stock Bank Finance Ministry official told the times weekly newspaper reporter. "Loan than the regulation more strict this year, originally expected to ultra-short term financial products ' gankao ', it seems out of the question. "In the short term financial management significantlyReducing "two days before the row has received the notification". Silver Web hosting rates recently evaluation report on the publishing activities of banks, banks Finance Ministry official told the times weekly newspaper reporter, "ultra-short term financing product being halted, but you can buy some scroll-type financing products, current financial product that has not been restricted. "Some investors are worried that, whether from the short-termLimit financial products "stop", have been halted slightly longer periods of financial products, such as following the three-month period of the financial product. For example, recently, some media reports, a Sino-foreign joint venture Bank Shanghai Branch who received the internal forwarding the notice on November 25, 2011 sales some financial products, suspend sales part 1 month, 2 months and 3,Month period financial products. Minsheng banking retail banking, wealth management center, Cui Lizhu told weekly newspaper reporter of the times, "should not be. Limits within one month of the financial product or just want to stop banks at month-end or the end of such key point in time, issued a few days period product with higher yields. "Times weekly newspaper reporter seen from ICBC's official website, which by far the mostNew financing product minimum period is 31 days. ABC's website recently on sale of financial products in excess of 1 month. Weekly Times reporter visited several banks, found within one month of super short most of the products has changed to 30-40 days or even longer. However, this part of the maturity of the product set in the vicinity of December 30, and income higher than similar productionAverage. For example, the recent sale of a financial product, the agriculture Bank, investments for a period of 41 days, yields 5.8%, maturity date is December 29. A financial product that Bank of China, investments for a period of 43 days, maturing on December 30, the yield to maturity 4.7%. CCB launched a qianyuan exclusive financial products, investments for a period of 31Day, maturing on December 26, the annualised yield of 4.35%. China Construction Bank branch manager told weekly newspaper reporter of the times, "If you want to buy more products in the short term, you can buy RI Xin Xin month overflows, daily high-rolling products information, which is open, you can redeem at any time, not new year yields slightly lower. "According to bank rates provides the number ofIt was revealed, from early November to journalists when closing, within 1 month of short-term financing products issued 315, fell 29.2%. October short-term financial products (investment period of 1-6 months) issue of 1791, fell 13.3%, within 1 month of which product release 601, 31.2% per cent of all financial products, fell 27%. "The China Banking Regulatory Commission halted a month within the period of short-term financing products, impact is still very deadly. "The Deputy Governor of the Bank of China branch told weekly newspaper reporter of the times. Relevant data show that in May-October, 12,004 new banking products, within 1 month period of ultra-short term product with 4,443, near 40%. "Once a halt to all policiesImplementation of spill over into a broad ". Bank deposits is approaching sorry to do this, banks of countermeasures to be taken, that is, increases product yields. China Everbright Bank WINS 1TH and 2nd half a year, expected annualised yields of products respectively, and $ 4.6% raised to and 5%, increase of 0.4%; half-WINS 3rd expected yield of products fromUp to 5% of. There are Bank intends to merge with a range of financial products, forming a large open financing products.����Again such as ICBC's "smart line". Near the end, Bank the cash-strapped. After deposit serious hemorrhagic, dependent on short-term financial products "surprise recruiting deposit" Bank, the rest pressure as you can imagine. Silver listingThree quarterly reports show that deposits "hemorrhagic" become great challenges of the banks this year. Among them, 16 listed in the Bank 10 deposits in the third quarter growth, "hemorrhage" size total 329.563 billion yuan. Joint-stock commercial banks swtor power leveling, 4 3 banks of city commercial banks, State-owned line 3, namely, the agricultural Bank, construction Bank, Bank of China, of which, BankEnd of the third quarter the deposit and lending ratio of 76.7%, over 75% of regulatory standards. This problem has not been improved in October deposits hemorrhagic. According to Central Bank data, in October deposits fell 201 billion yuan, up less 361.8 billion yuan. "Bank collective loss of deposits occurred very important reason is, short-term financing products issued restricted restricted bank depositsPoint in time the impulse.����"Goldman Sachs Gao Hua Bank analysts Ma Ning has previously accepted weekly reporter said in an interview with the times. Relevant data show that in June this year, within 1 month period of ultra short-term bank financing products circulation peaked in 2040 banking products, with 883 within 1 month of the period, accounting for more than 43%. In July, the CBRC twiceUnder caution, in July or August, super short circulation of products and the percentage has dropped, but between September impact loan than the point in time and when at the end of the third quarter rebound, this month's issue 801 super short financial products, share rose to 37.31%. "Super short halt financial products, the direction is right. Product short description of most of the commercial banks also operate in extensive ways. ��International financial experts, Professor of the Institute of international business and Economics Finance Zhao Qingming told weekly newspaper reporter of the times. "Central Bank of the year 6 times reserve, liquidity tightening. Most Bank loan ratio has reached the ceiling of regulation or near 75%. 3 quarters of this year, total deposits growth of listed banks. Continued loss of deposits, bank deposit and loan than standard pressure will be more and moreHeavy and stopped within one month after financial products, Bank recruiting difficulty of storage and costs will increase. "A branch of Huaxia Bank officials complained to weekly reporter of the times, even though you have brains to deposit a gift of a variety of activities, in the remaining period of less than 40 days, wanted to meet established deposit target is impossible, this year is not good.