What is the development prospect and future development trend of bank wealth management products?

It is worth noting that the general investment prospectus of bank wealth management products stipulates that banks have the right to terminate wealth management products in advance, and the income will be calculated according to the actual investment days of investors, which may have a certain impact on the final income of some investors.

What will be the income trend of bank wealth management products in the future? Guo Tianyong, director of the China Banking Research Center of the Central University of Finance and Economics, believes that under the downward pressure of the economy, the central bank still has room to further adjust the deposit interest rate, so it does not rule out a further decline in the yield of bank wealth management products.

Relevant analysts said that the recent decline in the income of bank wealth management products was mainly affected by comprehensive factors such as the central bank's interest rate cut, the sluggish macroeconomic fundamentals, operational pressure and increased risks. Banks control risks, on the one hand, it will improve the access standards of bank wealth management products and shrink the issuance scale of wealth management products; On the other hand, reduce the expected income level of products and reduce the cost of debt. Therefore, low income may become the new normal of bank financing.