商业商业银行理财产品收益可分为预期收益率、实际收益率。实现超额收益产品多投资于债券和货币市场，未实现预期收益产品多挂钩利率、汇率、商品期货；非保本产品、短期理财产品是理财产品发行主力；外币产品境遇不乐观。商业银行能够较准确地预测固定存款利率、理财期限、发行银行信用、是否保本、是否外币投资对理财产品收益率的影响：固定存款利率、理财期限与预期收益率、实际收益率均正相关；低发行银行信用的预期收益率、实际收益率均高于高发行银行信用；不保本的预期收益率、实际收益率均高于保本产品；外汇投资的预期收益率、实际收益率均低于人民币投资；但不能准确预测投资标的、收益是否固定、银行能否提前终止对理财产品收益率的影响。%Commercial bank financial product yield can be divided into the expected return and the real yields. Realize the excess return products more invested in bond and currency markets, unrealized expected return products linked to interest rate, exchange rate, commodity futures. The capital preservation products, short-term financial products are main products distribution. Foreign currency product situation is not optimistic. Commercial banks can more accurately predict the deposit rate, fixed term, issuing bank credit, whether break even and whether the influence of foreign investment to the financial product yields. The fixed deposit interest rate, term and expected return, real yields have positive correlations, low expected rate of return of issuing bank credit, higher real yields were higher than issuing bank credit. Non break-even expected return of capital preservation, real yields were higher than capital preservation products. Expected rate of return of foreign exchange investment and real yields are lower than RMB investment, but we can not accurately forecast whether or not fixed investment targets and income are fixed, banks can terminate the impact on the financial product yields or not.
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