Internet finance can not escape the curse of revenue downward security investment into kingly way-www.ddd138.com

The Internet financial revenue down escape safety investment into a benevolent, spell reporter Jin Pingping in banking, trust and other varieties are yields continued to decline in the momentum of the occasion, began in 2013 and once popular Internet financial products could not escape the "magic spell", not only the Internet baby category Monetary Fund 7 the annual yield rate is down, P2P product revenue also continue to decline. Analysts pointed out that, along with the downward pressure on the economy, the loose monetary environment will allow the liquidity of the market is ample situation continued, low returns of various products is still the rate of events. For the Internet financial products, the current investment should pay more attention to its security considerations. Earnings advantage no longer has been bothering investors for the Internet baby fund for the past 2015 years. This year, once in the market scenery of the Internet "baby" class fund products, in the first quarter of 2015, the yield trend is relatively stable, but after entering the two quarter, "baby" products 7 day annualized rate of decline in a straight line. Statistics from financial 360 show that in April last year, the average annual yield of 7 days was 4.55%, the average annual yield of 7 days in May dropped to 4.36%, the average annual yield of 7 days in June fell directly to 3.89%, the first time below 4% pass. After October last year, along with the largest monetary fund balance treasure’s 7 day annualized rate of "broken 3", declared this once safe and high income "investment myth" shattered. As of press time reporter, according to the statistics of the Oriental Wealth choice information, in addition to Tencent CAITONG, Baidu ligunli and other Internet Fund 7 year yield is more than 3%, other Internet Monetary Fund 7, the annual rate of return is under 3%. And from the point of view of the yield, P2P platform product revenue is also in continuous downward. The average annual yield of 11.03% P2P platform in January 2016 focused on monitoring the rate of net, down 22 basis points a month before the chain. The average borrowing period of P2P project in January is 234 days. In fact, P2P industry yields in 2015 showed a larger decline, in December 2015 by the end of the year after the interest rate promotion and other small rebound, in January this year began to return to the decline channel. Looking forward to the new year, the market is still expected to loose, high-quality assets, high-quality projects hard to find, P2P industry yields are still downside, investors should appropriately reduce earnings expectations. Security investment as the primary task, it is necessary to point out that, in the yield continues down, while constantly breaking similar e rental treasure and other P2P platform appear cashing crisis, and even "foot" situation news, but also for investors to invest in P2P began to be cautious. In the tight regulation, the yield dropped significantly, the previously sought after P2P platform, its rapid expansion of the situation eased, and even negative growth continued. According to statistics, in January 2016 the newly established P2P platform for a total of 27, ring theory

互联网金融难逃收益下行魔咒 安全投资成王道   ⊙本报记者 金苹苹   就在银行理财、信托等品种均出现收益率持续下滑的势头之际,肇始于2013年且一度风行的互联网金融理财产品也难逃这一“魔咒”,不仅互联网“宝宝”类货币基金的7日年化收益率节节下行,P2P产品的收益同样不断走低。   分析人士指出,伴随着经济下行压力的存在,宽松的货币环境将让市场上的流动性宽裕局面持续,各类产品的收益走低仍是大概率事件。而对于互联网金融产品而言,当前的投资中更应注重其安全性的考量。   收益优势不再   对于刚刚过去的2015年,互联网“宝宝”类基金的投资者们可能已经烦心了好一阵子了。这一年,曾经在市场上风光无限的互联网“宝宝”类基金产品,在2015年一季度其收益率走势还相对稳定,但是进入二季度之后,“宝宝”类产品的7日年化收益率直线下滑。来自融360的统计显示,去年4月份其平均7日年化收益率为4.55%,5月份平均7日年化收益率微降至4.36%,6月份的平均7日年化收益率直接下滑至3.89%,首次跌破4%的关口。去年10月份以后,伴随着规模最大的货币基金余额宝的7日年化收益率“破3”,宣告了这一曾经的既安全又收益高的“投资神话”破灭。   截至记者发稿,根据东方财富choice资讯的统计,除了腾讯理财通、百度利滚利等互联网基金的7日年化收益率还处于3%以上,其他互联网货币基金的7日年化收益率均处于3%以下。   而从收益率的角度看,P2P平台的产品收益也处于持续下行中。2016年1月银率网重点监测的P2P平台平均年化收益率为11.03%,环比前一个月下降了22个基点。1月P2P项目平均借款周期为234天。   事实上,P2P行业收益率在2015年出现了较大降幅,2015年12月受年底加息促销等影响而小幅反弹后,今年1月开始重回下降通道。展望新的一年,市场宽松预期仍在,优质资产、优质项目难觅,P2P行业收益率仍有下行空间,投资者应适当降低收益预期。   安全投资成首要任务   需要指出的是,在收益率不断下行的同时,不断爆出的类似e租宝等P2P平台出现兑付危机甚至“跑路”情况的消息,也让投资者对于P2P投资开始谨慎。在监管趋紧、收益率降幅明显之际,此前大受追捧的P2P平台,其快速扩张的情况有所缓和,甚至连续出现了负增长。   据银率网统计,2016年1月全国新成立P2P平台共27家,环比2015年12月较少60.9%。截至2016年1月底,全国正常运营平台共2771家,已连续两个月负增长。对于此现象,银率网分析师称,1月多地金融监管部门收紧了互联网金融企业登记注册,新平台获得通过成立的难度加大,另一方面随着行业竞争的加剧、监管的趋严,P2P行业对新进入者的吸引力越来越弱,因此未来新成立平台的增长速度将会放缓。   也因此,在选择2016年的互联网金融产品时,关注其安全性成为最重要的任务之一。统计显示,在1月新成立平台中,注册资金“1亿元及以上”的平台占比29.6%,比前一个月增加约12个百分点。有分析认为,2015年底出台的《网络借贷信息中介机构业务活动管理暂行办法(征求意见稿)》(《办法》意见稿)规定P2P平台的客户资金须由银行进行第三方存管,而银行在选择是否合作时,会对平台的综合实力包括注册资金有一定的考察,另一方面随着行业竞争的加剧、监管的趋严,实力弱小特别是恶意欺诈的平台生存会越来越困难,因此未来新成立平台的整体实力会有所增强。   至于互联网货币基金,因为其收益率对比银行存款仍具有优势,且流动性又相当于活期存款,安全性也佳,因此市场人士普遍认为其对投资者仍具有一定的吸引力,因此预计这类基金的整体规模仍将保持在一定水平之上。THE_END 进入【新浪财经股吧】讨论相关的主题文章: