Does the epidemic have an impact on bank financing?

A few days ago, a number of banks launched professional asset management products for epidemic prevention in official website and APP, and the asset management funds flowed to epidemic prevention people, epidemic prevention enterprises and Wuhan area. Next, Jin Toubian Xiao introduced the epidemic situation. Does it have an impact on bank asset management?

For example, the reporter found that the Agricultural Bank of China launched three exclusive wealth management products with the theme of epidemic prevention and control. The recruitment date is February 20031February 9 19. The product term is 162, 182 and 130 respectively, and the performance standards are 4.06% and 4.06% respectively.

Among them, the special products for military personnel are for Agricultural Bank of China, and the special products for doctors as military customers are for medical and health practitioners. If soldiers and doctors have not made an appointment with ABC before, they can't buy this asset management product, said the relevant personnel of ABC.

Compared with other asset management products of ABC, the interest rates of the above three epidemic countermeasures products have advantages. The performance benchmark of other asset management products is mostly around 3.7%, and the lowest for epidemic countermeasures products is 3. In addition, the management fee for epidemic prevention products is only 0.05%/ year (managers charge it every day). In addition to the management fees of other asset management products, the buyer also needs to pay a sales management fee of 0.05%/ year (asset manager).

In addition, Bank of Communications Asset Management, a subsidiary of Bank of Communications, has also released epidemic prevention asset management products, mainly investing in high-quality enterprises that produce epidemic prevention supplies and related fields that support epidemic prevention. No sales fee, management fee and investment management fee are charged. The performance comparison standard is 4. 1%, and the operation mode is closed net value.

The reporter also learned that Chongqing Rural Commercial Bank also launched anti-epidemic financial products, and the medical enterprises supporting the war epidemic in Chongqing and the medical staff at the front line of the war epidemic and their families provided exclusive financial products and services. The expected rate of return of this asset management product is about 65,438+00% higher than that of ordinary asset management products of banks, and it has also issued mass specialized asset management products of war epidemic. Customers can purchase through online electronic channels such as mobile banking and online banking of the Bank by reducing or exempting sales expenses.

After the establishment of its asset management subsidiary, the Bank gradually introduced a variety of featured products, such as asset management products with the theme of providing for the aged and asset management products with the theme of Greater Bay Area. At present, the war epidemic situation is at an important stage. Asset management products with the theme of epidemic prevention are the market-oriented choice of financial institutions and the demand of serving customers in specific groups and epidemic areas. Huang, a senior researcher at Suning Financial Research Institute, told reporters that it is a market-oriented choice for banks to launch asset management products with epidemic countermeasures, and it is also to guide asset management funds to flow to epidemic countermeasures and epidemic victims.

After the holiday, with the popular fermentation in COVID-19, the circulation of bank wealth management products declined. The data shows that the number of bank asset management products issued in the week after the holiday (February 3 to February 9) was 1064, which was significantly lower than that before the Spring Festival. Under normal circumstances, the number of bank asset management products issued every week is 1500 ~ 2000.

However, the reporter found that many banks have issued professional asset management products for epidemic countermeasures, which is the most important work at present. It is a market-oriented choice for banks to issue such asset management products, and it is also a way for asset management funds to flow to epidemic countermeasures and epidemic countermeasures enterprises. Bank analysts said.