"How much did we lose today?" "I'll never buy bank financial products again!" Recently, anyone who has bought financial products is bound to have such complaints.
In the past few days, there has been a large area of "losses" in low-risk bank financial products, which has caught many people off guard and has also led to doubts about the safety of bank financial products. Gradually, there has been a growing distrust in financial management. So, after this loss event and the resulting trust crisis, will bank financial products disappear in the future?
In fact, no one wants to see such a phenomenon. While banks face huge doubts, many investors have also suffered varying degrees of losses. The root cause of all this, as we simply analyzed in our last program, is mainly due to changes in regulatory policies, coupled with the complex external environment, which is just a temporary phenomenon.
Recently, more than a dozen bank financial subsidiaries, including the six major banks, have issued announcements through their official channels, analyzing and explaining the reasons for the recent losses in financial products. Let's briefly summarize below:
First, all financial subsidiaries have stated that previous financial products did not disclose net value, but now, in response to regulatory requirements, the net value has been disclosed, which has amplified short-term market fluctuations.
Second, the pricing method of financial products has changed from "amortized cost method" to "market value method". The different calculation methods have led to significant changes in the net value of the products.
Third, the current market fluctuations are still influenced by the situation in Ukraine, as well as poor performance in international and domestic bond markets and equity markets.
In short, no matter how you analyze it, the financial products in everyone's hands have indeed suffered losses, and the losses are all people's "hard-earned money". Such a situation was difficult to occur in the past, but now it is happening in front of us.After all, for many years in the past, the wealth management products offered by banks were relatively reliable, especially those rated below PR2, with a very low probability of loss. Therefore, with a mindset of inertia, many people cannot accept the current losses. Many have also left messages for me, saying they will never buy wealth management products again, as it's too much of a pit.
So, since a credit crisis has been experienced, it will inevitably have some impact on the promotion and sales of bank wealth management in the future. Will bank wealth management disappear?
In my opinion, it will not. As we just mentioned, the loss from this wealth management is temporary and has been influenced by various external factors to some extent. Recently, to cope with various adverse factors, professionals from various wealth management subsidiaries have been working hard to adjust and change, striving to minimize losses and improve the return on wealth management.
After all, current bank wealth management is operated by specialized wealth management subsidiaries, and investors vote with their feet. If their wealth management performance is not good, I believe the sales of this company's wealth management will not be very good either, which will directly affect the operational performance of the wealth management subsidiary. Under such circumstances, considering every aspect, I think the returns on bank wealth management products in the future will also be guaranteed accordingly. I hope that such loss events will become fewer and fewer in the future.
Has the wealth management product in your hand suffered losses recently? Will everyone still choose bank wealth management in the future?
Everyone is welcome to leave a comment and discuss together.
Wealth management carries risks, and investment should be approached with caution!
