Teach You To Use Banks To Deal With Idle Funds For Public Financial Products.

Although corporate finance is not as personalized as personal financing, we can also see the great potential of this market from the bank's public financial services.

Recently, more and more public financial products have entered the public view, and the purchasing enthusiasm of enterprises is also increasing.

Although the annual expected rate of return is only 2%, it is quite attractive compared with the interest rate of 1.72% of the deposit deposit of 0.72% and 7 days.

"The demand for liquidity of production funds is very high, and it will not be cost-effective for banks to survive when the funds are idle or precipitated. Banks are launching the same kind of public products to help companies do ultra short-term financing."

Liu Xiang, business department of Jingzhou branch of ICBC.

At the same time, public products can also develop "personalized products" for large customers, that is, designing products according to the characteristics of individual enterprises' capital flow. This is just like the high-end customers of private banks.

The characteristics of ultra short term corporate financial products developed by ICBC are characterized by high safety, good liquidity and high yield.

ICBC has diversified forms of corporate financial management in the ultra short term. It has one to one single household financial management which combines cash management of enterprises. With the following, the starting point is more than 20 million yuan.

There are also holiday products which are regularly launched on the basis of the concept of market and festival, which can meet the financial needs of small and medium-sized enterprises, and connect the customer settlement accounts with the ultra short term automatic investment and financial account of the bank.

In early June, the Shenzhen branch of ICBC launched two super short-term corporate financial products called "Dragon Boat Festival debt market" to meet the needs of short-term investment and financial diversification of legal customers.

The investment period is 13 days and 20 days respectively, starting from 200 thousand yuan, increasing by 50 thousand yuan.

The 200 million yuan quota will be sold out soon.

"Point gold pool yields can reach up to 2%, the investment direction is mainly the security market such as bond market, and has absolute protection for investors' principal security."

Chen Ying introduced.

"Therefore, enterprises must abandon long and short insurance when choosing, and liquidity risk is the focus of attention."

Shenzhen branch of Agricultural Bank of China is also pushing for axiom wealth business. The latest one is the twentieth phase of "Ben Li Feng", which can be purchased by individuals and enterprises. The starting point of business customers' subscription is RMB 1 million yuan, increasing by an integer multiple of 100 thousand yuan.

Sales began in June 26th, and businesses bought hundreds of millions of dollars in a few days.

In the near future, a bill financing product to meet the needs of enterprises is to be launched.

Zou Jianxu, general manager of Shenzhen branch of Everbright Bank, said that public financial products are more attractive to enterprises, and Everbright Bank will launch appropriate products according to the latest changes in the market.

From the perspective of enterprise type, enterprises with abundant resources, monopolistic enterprises and financing channels have more financial capital.

There is another important factor in the axiom money warming. More and more enterprises have strengthened their cash management and increased their sense of financial management.

They calculate a sum of money and make huge amounts of money to deposit, which is much different from the purchase of financial products.

She disclosed that a large company with billions of yuan of liquidity in Shenzhen has been earning tens of millions of yuan a year in ICBC.

Let's take ABC's latest public finance product as an example.

According to the introduction, the 3 month stable series of RMB financial products is a guaranteed floating income product. The annual revenue is expected to be between 3% and 3. 5%. The 6 month "progressive profits" progressive series of RMB financial products are non guaranteed floating income. The annual revenue is expected to be between 2% and 4. 5%, which is higher than that of the fixed deposit in the same period.

As the capital of enterprises is up to millions, tens of millions, and the yield increases by half a percentage point, the increment of income will be tens of thousands of yuan.

Secondly, the vast majority of enterprise funds are only idle for a short time. Liquidity requirements are very high. They are generally not suitable for time deposits and are not suitable for long term financial products.

In terms of liquidity, it is advisable to choose products that are super short term and easy to redeem. If you want to make an appointment with the bank, when you need funds, you can get the cash in time or T+0 day.