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2013年到期的个人银行理财产品共计45420款,其中有35074款产品公布了到期收益率,这部分产品的平均到期收益率为4.56%,见附表。从发行主体类型来看,股份制商业银行的到期产品数量最多,达到14909款;国有银行公布的到期收益率的产品数量最多,为11325款;公布了到期收益率的产品中,外资银行的平均到期收益率最高,为4.93%,主要原因在于外资银行的到期产品中包含大量的结构性理财产品,这些产品的收益定价与所投资的金融衍生工具相关,从而可能获得的风险溢价就较高。
45,420 personal wealth management products due in 2013 totaled 45,420. Of these, 3,507 products announced yield to maturity. The average yield-to-maturity of these products was 4.56%, as shown in the attached table. According to the types of issuers, the number of due-products of joint-stock commercial banks is the largest, reaching 14,909; the state-owned banks have the highest yield-to-maturity products of 11,325; of the products with maturing yields, foreign-funded banks With the highest average maturity rate of 4.93%, mainly due to the large amount of structured wealth management products matured by foreign-invested banks, the pricing of these products is related to the financial derivatives they are investing in, and the possible risk premium Higher.