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去年银行理财产品达29万亿元 净值型将成主流

发布时间:2018-11-08 11:35
中银协日前发布了《2016年中国银行业理财业务发展报告》(下简称:《报告》),《报告》指出2016年银行理财规模在大资管行业中占比最高,为25.00%,产品规模保持增长但增速明显放缓。2017年净值型理财产品将成为各商业银行争夺的焦点。
 
The China Banking Association recently released the "China Banking Financing Business Development Report 2016" (hereinafter referred to as "Report"). The report pointed out that in 2016, the largest proportion of bank financing in the capital management industry was 25.00%. The scale of products maintained growth but the growth rate slowed down significantly. Net worth products will become the focus of competition among commercial banks in 2017.
 
 
 
据《报告》显示,截至2016年底,银行理财产品余额达29.05万亿元,较上年增加5.55万亿元,同比增长23.63%,较2015年末56.15%增速明显放缓,逐步进入低速增长的“新常态”。而其中,非保本浮动收益类产品余额23.11万亿元,占比79.55%,较2015年底上升5.38个百分点;净值型产品市场占比9.37%的增速,高于2016年全市场银行理财发行数量7.27%的增速。
 
According to the Report, by the end of 2016, the balance of financial products of banks had reached 29.05 trillion yuan, an increase of 5.55 trillion yuan over the previous year, an increase of 23.63% over the previous year, a marked slowdown from 56.15% at the end of 2015, and gradually entered a "new normal" of low-speed growth. Among them, the balance of non-guaranteed floating income products is 23.11 trillion yuan, accounting for 79.55%, up 5.38 percentage points from the end of 2015; the growth rate of net value products market is 9.37%, which is higher than the growth rate of 7.27% in 2016.
 
 
 
《报告》指出,理财产品中低评级为主的特点与我国银行理财投资者的结构相匹配,近七成理财资金通过配置非标资产和债券等资产支持实体经济发展,有效推动企业融资成本不断下降,并且银行理财有效促进商业银行的转型发展。
 
The report points out that the characteristics of low and medium ratings of financial products are matched with the structure of financial investors in China's banks. Nearly 70% of financial funds support the development of real economy by allocating assets such as non-standard assets and bonds, effectively promoting the continuous decline of financing costs of enterprises, and effectively promoting the transformation of commercial banks. Development.
 
 
 
同时,《报告》还显示,2016年银行理财规模在大资管行业中占比最高,为25.00%,银行理财践行普惠金融方面,则为投资者实现投资收益9772.7亿元,同比增加了1121.7亿元,增幅12.97%。
 
At the same time, the report also shows that in 2016, the largest proportion of bank financing was in the capital management industry, accounting for 25.00%. In the practice of inclusive finance, bank financing realized 97.72 billion yuan of investment income for investors, an increase of 112.17 billion yuan, an increase of 12.97%.
 
 
 
《报告》认为,这说明了银行与其他金融资管机构合作,通过优势互补,实现多策略跨界资产配置和资产交易的能力不断的在提升。
 
According to the report, this shows that the ability of banks to cooperate with other financial institutions to achieve multi-strategy cross-border asset allocation and asset trading is constantly improving through complementary advantages.
 
 
 
针对银行理财快速发展过程中的风险管理问题,如资产收益收窄、“资产荒”等一些较为明显的经营特征,人民银行、银监会等监管部门已出台了一系列政策,及时有效管控业务风险。
 
In view of the risk management problems in the rapid development of bank financial management, such as the narrowing of asset returns, the shortage of assets and other obvious operating characteristics, the People's Bank of China, the Banking Regulatory Commission and other regulatory departments have issued a series of policies to effectively control business risks in a timely manner.
 
 
 
而在银行理财面临投研能力不强、机构改革及业务转型、风险管理能力较弱等诸多问题与挑战方面,《报告》则指出,各商业银行应不断完善经营模式、发展理念,不断提升银行理财业务的市场竞争力。
 
However, in the face of many problems and challenges, such as weak investment and research ability, institutional reform and business transformation, and weak risk management ability, the report points out that commercial banks should constantly improve their business models and development concepts, and constantly enhance the market competitiveness of banking financial services.
 
 
 
关于2017年银行理财产品的趋势,《报告》则认为,净值型理财产品将成为各商业银行争夺的焦点,短期内预期收益型产品仍然会是市场的主流。同时,银行理财也将寻求资产证券化投资机会,委外投资将会进一步发展和成熟。
 
With regard to the trend of bank financial products in 2017, the report argues that net value financial products will become the focus of competition among commercial banks, and expected revenue products will remain the mainstream of the market in the short term. At the same time, bank financing will also seek investment opportunities in asset securitization, and outward investment will further develop and mature.

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