Ruoshi trigger bank Evolution of the financial market

2008 is bound to be an unusual year. 1-5 months Shangzhengzongzhi fell 34.75 percent, 306 Gongmu Fund (not including money funds) net down 23.72%. The stock market substantially reduce the average daily number of accounts, once again showed several accounts together with the market or the scene. At the same time, the performance fell a direct impact on the issuance of the new fund. Since the start of this year more than 1 billion scale is quite rare, was set up in May of seven new fund only the first scale of 5.28 billion yuan, an average of only to each fund only 880 million yuan.
Intimidated by the investors, have Gerou end, he fled from the capital market. That these funds have escaped Where is the »
Look at the incremental savings deposits of residents, the incremental bank financing products, may be the answer.
May this year, financial institutions for balance of RMB savings deposits of 43.11 trillion yuan, an increase of 19.64 percent, of which at household deposits increased 236.9 billion yuan, up by more than 515.4 billion yuan (278.4 billion yuan in the same period last year). April, the financial institutions for balance of RMB savings deposits of 42.22 trillion yuan, an increase of 17.69 percent, of which at household deposits increased by 99.2 billion yuan, up by more than 266.6 billion yuan (167.4 billion yuan in the same period last year).
At the same time, the first five months of the fiscal management of the commercial banks of the scale of new products 910 billion yuan. 910 billion yuan, the Chinese people witnessed the powerful strength of the investment, the huge investment needs, the urgent wishes of the investment.
Can not be said that the banking financial market Chouzou the capital market funds, but is absolutely outside of the capital market a paradise.
Ruoshi trigger investment funds looking for other exports, and at this moment, banks and financial markets on savings deposits together with a commitment to divert the capital market outflow of funds mandate.
身处Ruoshi enhance risk awareness of investors, while investment philosophy also quietly change, fear of loss of hope away from the stock market, but just tasted sweetness of investment, where the heart with the investment insulation » Were awakened awareness of the investment began to seek ways to achieve relatively stable, and the bank financing products receipts higher than deposit rates, lower than the risk of equity funds, as its退而求其次choice.
"Capital market has its system of 'blind spots', the bank financing products came into being." This is a bank line managers feelings. For example, investors look for in stocks, bonds between the products, security, good in equities, bonds lower than a yield of better than bonds, lower than the stock of products, it is not the structure of banking products? » For instance many asset securitization products, very slowly, and in fact many companies now have a strong impulse to the financing, the future is also a very good cash flow, bank financing trust product categories can quickly realize the needs of enterprises to meet the investors愿望.
Ruoshi more calls for financial innovation, this time, the banking industry walk in the forefront of financial innovation, best use of the situation, with the market moving, timely response, demand-oriented product design, the first step to success.
Inferred from today's situation, if the broker, funds, trusts and other financial institutions can not respond as early as possible to make a policy, then, after a bull market and bear market change, the bank will become the largest financial market in the winner.