河北经贸大学学报
河北經貿大學學報
하북경무대학학보
Journal Of Hebei University Of Economics and Trade
2015年
4期
59~62
,共null页
商业银行 理财产品收益 预期收益率 实际收益率 固定存款利率 理财期限 人民币投资 外币投资风险
商業銀行 理財產品收益 預期收益率 實際收益率 固定存款利率 理財期限 人民幣投資 外幣投資風險
상업은행 리재산품수익 예기수익솔 실제수익솔 고정존관리솔 리재기한 인민폐투자 외폐투자풍험
commercial bank, finance products earnings, expected yield rate, real yield rate, fixed deposit rate, financial product term, Ren Min Bi investment, investment risk of foreign currency
商业商业银行理财产品收益可分为预期收益率、实际收益率。实现超额收益产品多投资于债券和货币市场,未实现预期收益产品多挂钩利率、汇率、商品期货;非保本产品、短期理财产品是理财产品发行主力;外币产品境遇不乐观。商业银行能够较准确地预测固定存款利率、理财期限、发行银行信用、是否保本、是否外币投资对理财产品收益率的影响:固定存款利率、理财期限与预期收益率、实际收益率均正相关;低发行银行信用的预期收益率、实际收益率均高于高发行银行信用;不保本的预期收益率、实际收益率均高于保本产品;外汇投资的预期收益率、实际收益率均低于人民币投资;但不能准确预测投资标的、收益是否固定、银行能否提前终止对理财产品收益率的影响。
商業商業銀行理財產品收益可分為預期收益率、實際收益率。實現超額收益產品多投資于債券和貨幣市場,未實現預期收益產品多掛鉤利率、彙率、商品期貨;非保本產品、短期理財產品是理財產品髮行主力;外幣產品境遇不樂觀。商業銀行能夠較準確地預測固定存款利率、理財期限、髮行銀行信用、是否保本、是否外幣投資對理財產品收益率的影響:固定存款利率、理財期限與預期收益率、實際收益率均正相關;低髮行銀行信用的預期收益率、實際收益率均高于高髮行銀行信用;不保本的預期收益率、實際收益率均高于保本產品;外彙投資的預期收益率、實際收益率均低于人民幣投資;但不能準確預測投資標的、收益是否固定、銀行能否提前終止對理財產品收益率的影響。
상업상업은행리재산품수익가분위예기수익솔、실제수익솔。실현초액수익산품다투자우채권화화폐시장,미실현예기수익산품다괘구리솔、회솔、상품기화;비보본산품、단기리재산품시리재산품발행주력;외폐산품경우불악관。상업은행능구교준학지예측고정존관리솔、리재기한、발행은행신용、시부보본、시부외폐투자대리재산품수익솔적영향:고정존관리솔、리재기한여예기수익솔、실제수익솔균정상관;저발행은행신용적예기수익솔、실제수익솔균고우고발행은행신용;불보본적예기수익솔、실제수익솔균고우보본산품;외회투자적예기수익솔、실제수익솔균저우인민폐투자;단불능준학예측투자표적、수익시부고정、은행능부제전종지대리재산품수익솔적영향。
Commercial bank financial product yield can be divided into the expected return and the real yields. Realize the excess return products more invested in bond and currency markets, unrealized expected return products linked to interest rate, exchange rate, commodity futures. The capital preservation products, short-term financial products are main products distribution. Foreign currency product situation is not optimistic. Commercial banks can more accurately predict the deposit rate, fixed term, issuing bank credit, whether break even and whether the influence of foreign investment to the financial product yields. The fixed deposit interest rate, term and expected return, real yields have positive correlations, low expected rate of return of issuing bank credit, higher real yields were higher than issuing bank credit. Non break-even expected return of capital preservation, real yields were higher than capital preservation products. Expected rate of return of foreign exchange investment and real yields are lower than RMB investment, but we can not accurately forecast whether or not fixed investment targets and income are fixed, banks can terminate the impact on the financial product yields or not.