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今年以来,高收益产品发行占比逐月减少,收益率中枢出现整体下移的态势。人民币银行理财产品的平均收益率已经从1月的5.2487%下降为8月的4.3318%。今年以来,随着国家对宏观经济的调控,央行2次降低存款准备金率、2次降息,使资金市场持续保持了宽松状态。在7月末中央定调下半年经济“把稳增长放在更重要的位置”之后,市场对货币政策“宽松”的预期进一步加强。这一
Since the beginning of this year, the proportion of high-yield product issuance has been decreasing month by month, and the overall rate of return has been on the downward trend. The average yield of RMB banking wealth management products has dropped from 5.2487% in January to 4.3318% in August. Since the beginning of this year, with the state’s macroeconomic regulation and control, the central bank lowered the deposit reserve ratio twice and cut interest rates twice to keep the capital market in a relaxed state. After the Central People’s Government adjusted the second half of the national economy in late July “putting steady growth in a more important position,” the market’s expectation of monetary policy “easing” is further strengthened. This one