一面是银行理财资金的规模持续增长,突破26万亿元,一面是银行理财产品的平均预期收益率不断下滑,向下突破4%。在高收益资产配置荒的背景下,合理的资产配置对家庭理财至关重要。招行广州分行零售银行部财富管理业务负责人陈奕兴表示,合理的资产配置可以带来稳定回报,而单一配置的风险过高,即使全部配置低风险的存款,也有错过其他投资机会的相对风险。 On the one hand, the scale of funds for bank financing continued to grow, exceeding RMB26 trillion. On the one hand, the average expected rate of return of bank financial products continued to decline, breaking down 4%. In the context of the allocation of high-yield assets shortage, the rational allocation of assets is essential for family financial management. Chen Yi Xing, head of the wealth management business at the retail banking division of China Merchants Bank Guangzhou Branch, said that reasonable asset allocation can bring stable returns and the risk of single allocation is too high. Even if all the low-risk deposits are configured, there are relative risks of missing other investment opportunities.