Direct Bank Financial Products PK Balance Treasure

< p > for the big business of banking business -- financial products, Nandu has found that because of the relationship of face to face, only three direct selling banks, such as Societe Generale, Ping An Bank and Shanghai bank, offer no obvious advantage.

And the direct bank of Xingye can avoid face signature, but it is mainly open and rolling financial products.

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< p > < strong > baby product: the bank department wins the < a href= "http:// www.sjfzxm.com/news/index_c.asp" > balance treasure < /a > /strong > /p >

< p > after the balance of treasure, the balance of financial management has become a cake for all commercial banks to compete for.

All kinds of banking departments are everywhere, and the balance of money management has become a standard for direct banks.

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< p > from Nandu Jun finishing the current direct selling products sold by the direct selling bank, the highest rate of return is the Ping An profit of Ping An Bank's direct selling bank, which is linked to the security fund of Ping Hua. As of August 14th, the annual yield of 7 days is 4.546%, followed by the silver based gold treasure of Shanghai bank, and the annual yield of 7 days is 4.523%.

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< p > from the rate of return, the yield of direct selling banks in the banking sector is generally higher than that of the balance treasure.

In the 11 direct selling banks sold by Nandu Jun statistics, the bank's baby products are only Huarun bank's run day increase and the Nanjing bank's Xin Jin Bao's 7 day annualized return rate is lower than the balance treasure's 4.168%, others are higher than the balance treasure.

In addition to the 7 year annualized rate of return, Yin Yan, an analyst at Silver rate network, suggested that investors should pay more attention to the cumulative yield of a certain period when inspecting their baby products.

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< p > < strong > accident: the contractor can buy < a href= "http:// www.sjfzxm.com/news/index_c.asp" > P2P < /a > but not many items < /strong > /p >

< p > and in the 9 direct banks that have been opened, the Bank of the P2P is the only direct bank to launch the product.

Nandu Jun climbed the pony bank web site in the P2P project's "giant horse" column to see that the current bidding for a total of 2 products, are personal loans, the duration is 12 months and 6 months, the yield is 7.5% and 7% respectively.

From the past "thousand Li Ma" has been full of projects to see the period is more than 3-6 months, the project yield of 7.5%.

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< p > although the yield of 7.5% is much lower than that of most P2P platforms currently available, the yield of pony bank7.5% is a medium high yield in the P2P that the banking department has already operated.

It is reported that although there is no P2P project in direct sale, Minsheng Bank (6.35, 0, 0%), China Merchants Bank, China Development Bank and Ping An Bank have all operated P2P project platform.

Compared to other grass-roots P2P platform, the profitability of the banking P2P platform is obviously very conservative, the highest is Lu Jin of the Ping An Bank, not more than 8.61%.

However, Yin Yan pointed out that the biggest security problem of the banking system lies in relieving the worries of the platform running, and the bank's wind control auditing standards are more stringent, and the safety factor of the project is relatively high.

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< p > < strong > > a href= "http://? Www.sjfzxm.com/news/index_c.asp" > deposit < /a >: demand deposit regular income < /strong > /p >

< p > deposit business is the standard of all direct selling banks.

And Nandu Jun found that in addition to Nanjing bank's "Hello deposit" is the corresponding period deposit interest rate floating 10%, other banks in order to seize deposits, are sincere.

Basically, they have come up with the sincerity of "regular deposit of demand deposits". When investors deposit money, each deposit has the longest holding period of one year. During the holding period, customers can withdraw all or part of the deposit funds at any time according to the needs of funds. Each fund is calculated on the basis of the deposit interest rate corresponding to the actual deposit period.

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P > all banks, such as Bank of Shanghai, and other banks have implemented a corresponding period of interest rate. All interest rates are up to 10%. If the deposit period is less than 7 days, the 1 day notice deposit level will be applied. The interest rate is 0.88%. If the deposit period is greater than or equal to 7 days, less than 3 months, the 7 day notice deposit level will be applied and the interest rate will be 1.485%. If the deposit period is greater than or equal to 3 months, less than 6 months, then the 3 months will be applied to the whole class. The interest rate will be 3. If the deposit period is greater than or equal to the less than the year of the month, the total interest rate will be up to 1 month. <

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< p > after comparing the deposit business of many banks, Nandu Jun thinks that Ping An Bank's deposit business is the most important.

According to the fixed line business requirement of the bank, investors can withdraw their money indefinitely under the premise that the balance is no less than 1000 yuan.

Some of the funds are calculated on the basis of the latest term deposit interest, while the remaining funds are still calculated according to the 5 year deposit.

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