Financial products invisible rate staggering, banks quietly earned it for many years – Sohu Finance-lformat

Financial products contact rates on its amazing bank quietly earned a lot of money in the Sohu according to melt 360 monitoring data show that the rate of return financial products has continued for several weeks below 3.7%, Rong 360 financial analysts believe that in 2016 the bank financial products revenue will continue to "downturn" future potential in the fourth quarter, the average expected rate of return to 3%-4% interval. Contrary to the decline in yields, bank financing business fees grew strongly. Data show that the most rapid increase in revenue in Beijing bank, the first half of the financial services business income of 912 million yuan, an increase of 81.31%. The history of the highest rate of return on investment banking: 2 million 300 thousand banks took 950 thousand risk free money management in high yield almost extinct investment environment, investors tend to choose bank financing, however, buy sell fine, the bank made a fortune. Do not charge any fees for bank financing? If you ask a bank clerk if there is a fee for bank financing, the usual answer is "no fees."". However, financial 360 small banks through the query specification financial products, most banks will charge a one-time fee in the sale of financial products, the name of the cost from management fees, custodian fees and sales charges vary, and each bank rate is not the same, even the same bank charges the amount and different financial products are not the same. Because banks in the calculation of the expected rate of return financial products, mostly have this part of the expenses into account, which has been deducted, for investors to do not charge a fee, so the bank reply given by the staff is no ground for blame. Buy bank financing costs how to calculate according to the statistical financial 360 small, bank financial products generally include the following 5 types: the cost of subscription fees, subscription fees, custodian fees, sales fees, redemption fees, investment management fees. Each bank is different for each product, each type of fee collection standards, all kinds of fees is as follows: the cost of hosting fees have been deducted from the annual yield of the financial funds are usually managed by another bank, individual banks by their own hosting, hosting fees issued by the payment to the trust bank, but in fact the cost is paid by the investors, the rate is 0.02%-0.2%; sales charge: most of the bank’s sales rate of 0.2%-0.5%; subscription fees, subscription fees: most banks waive subscription fees, subscription fees, the rate is 0; investment management fees: a few banks will directly mark management fee of 0.3%, 0.4% but, most banks do not give specific rates, usually for this explanation: if the deduction of the custodian fees and sales of hand Renewal of financial products the actual annual yield of more than the highest expected annual yield of more than, as part of the bank’s management fee. The cost of redemption fee annual yield abroad: closed, fixed income financial products are no redemption fees, but open net financial products to charge a redemption fee period

理财产品隐形费率惊人 银行悄悄靠它赚了好多年-搜狐理财  根据融360监测的数据显示,银行理财产品收益率已持续数周跌破3.7%,融360理财分析师认为,2016年第四季度银行理财产品收益会继续“低迷”之势,未来平均预期收益率趋于3%-4%区间。   与收益率的萎靡相反,银行理财业务手续费收入增长强劲。数据显示,收入增幅最为迅猛的北京银行,上半年理财业务实现手续费收入9.12亿元,同比增幅为81.31%。 史上最高银行理财费率:投资收益230万银行拿95万   在高收益无风险理财几乎绝迹的投资环境下,投资人更倾向于选择银行理财,殊不知,买的没有卖的精,银行大赚了一笔。   买银行理财不收取任何手续费?   如果你向银行工作人员询问购买银行理财是否有手续费,通常情况下得到的回答是“不收取任何手续费”。   但是,融360小编通过查询多家银行的理财产品说明书发现,大部分银行在售出理财产品时会一次性收取一笔费用,这笔费用的名称从管理费、托管费到销售费各不相同,而且每个银行的费率不同,即便是同一家银行,不同理财产品的收费金额及方式也不相同。   因为银行在计算理财产品的预期收益率时,大多已经将这部分费用考虑进去,也就是已经扣除了,对于投资者来说相当于不收取手续费,所以银行工作人员给出的回复也无可厚非。   买银行理财 费用怎么算   根据融360小编的统计发现,银行理财产品通常包括以下5类费用:认购费、申购费、托管费、销售费、赎回费、投资管理费。每个银行对每种产品、每类手续费的收取标准有所差异,各类手续费率情况大致如下:   已从年化收益率中扣除的费用   托管费:理财资金通常要由另一家银行进行托管,个别银行由自己托管,托管费由发行支付给托管行,但实际上这笔费用是由投资者支付的,费率大多在0.02%-0.2%之间;   销售费:大部分银行的销售费率在0.2%-0.5%之间;   认购费、申购费:目前大部分银行免收认购费、申购费,即费率为0;   投资管理费:少数银行会直接标示管理费率为0.3%、0.4%,但大部分银行并不给出具体费率,通常情况下会作此说明:若扣除托管费用、销售手续费后理财产品实际年化收益率超过预期最高年化收益率,则超过部分将作为银行的管理费。   年化收益率外的费用   赎回费:封闭式、固定收益类理财产品大多没有赎回费,但开放式、净值类理财产品要收取赎回费,通常持有时间越短费率越高,比如个别产品规定持有1年以内收取、超过1年免收,费率在0.1%左右;   以招商银行(,股吧)的一款理财产品天添金稳健型理财计划为例,产品说明书上详细写明了该产品的费用与收取方式:   投资者没有银行精   据了解,大多数银行理财产品的实际收益率都高于预期,但银行通常不会特意提醒客户,只有在客户主动询问时才会进行回应。如果理财产品投资期内的实际收益率超过此前的预期收益率,超出部分的收益全部归银行所有。   但是,如果扣除各项手续费之后,理财资金的投资收益仍低于产品的预期最高收益率,也就是说银行操作不佳导致投资失误,投资者有可能拿不到预期最高收益率;在收益率不断走低的情况下,银行不会轻易压缩投资管理费,只会继续下调理财产品的收益率,最终为市场利率下降买单的只能是投资者。   甄选优质的金融产品、评测热门金融产品;科普金融投资知识;提供赚钱方法和途径。让你赚钱更轻松!   查看更多理财干货,请扫描下面二维码关注微信公众号:“金融工厂精选” money.sohu true 融360 report 根据融360监测的数据显示,银行理财产品收益率已持续数周跌破3.7%,融360理财分析师认为,2016年第四季度银行理财产品收益会继续“低迷”之势,未来平均预期相关的主题文章: