金牛理财网提供 Taurus financial network provides

　　银行理财产品一周看台（11.17-11.23） Bank financing products stands a week(11.17 11.23)

　　在年末和月末因素的影响下，上周各银行纷纷提高理财产品的发行量和预期收益率，市场平均预期年化收益率升至4.27%。超短期产品上周表现突出，平均预期收益率飙升111个基点至4.21%。此类产品大都在元旦前后到期，最有利于银行年底揽储，预计将成为近期银行竞争的焦点。

At the end of the year and the end of the month under the influence of factors,Last week the Banks have to improve financial products circulation and expected rate of return,The market average expected annualised rate of return to 4.27%.Super short term products outstanding last week,Average expected rate of return soared 111 basis points to 4.21%.Such products are mostly on New Year's day due before and after,Most favorable to the end of the bank embrace store,Is expected to become the focus of the recent bank competition.

　　金牛理财网监测数据显示，上周（11月17日至23日）共发行551款非结构性人民币银行理财产品，环比增加65款，平均预期年化收益率上浮2个基点至4.27%。预期收益率在4%至5%区间的产品发行量大幅增加，市场占比升至66%。上周国有商业银行的理财产品发行量不仅保持升势，预期年化收益率也连续上涨并突破4%，这足以表明银行揽储压力之大。

Taurus financial network monitoring data shows,Last week(On November 17, - 23)A total of 551 issue of unstructured RMB bank financing products,Link increase in 65,The average forecast annualised rate of return rise two basis points to 4.27%.Expected rate of return in the 4% to 5% range products circulation increase,For the market than to 66%.Last week the state-owned commercial bank financial management products circulation not only keep the uptrend,Expected annualised rate of return also continuous rise and break through 4%,It is enough to show that their bank of reservoir pressure.

　　银行年末存贷比考核进入最后冲刺阶段，银行理财产品市场收益率走势将取决于银行揽储情况。预计银行理财产品的收益率仍将震荡上行。建议短期投资者重点关注当前发行的在元旦前后到期的1个月期限产品。长期投资者也可选择较高收益的中长期产品以锁定收益。（宋兆卿）

Bank by the end of the deposit-loan ratio assessment into the final sprint,Bank financing products market rate of return trend will depend on bank LAN storage condition.Bank financial products is expected to yield will still concussion uplink.Suggest short-term investors focus on the current issue on New Year's day due before and after 1 month period products.Long-term investors can also choose a high income long-term products to lock income.(SongZhaoQing)

上周各期限最高年化收益率人民币理财产品 Last week the term supreme annualised rate of return RMB financial products

　　期限 发行银行 产品名称 预期年化收益率 委托期

Deadline for issuing bank product name expected annualised rate of return WeiTuoQi

　　0－3个月 广发银行 “薪满益足”周周发121126－Ｄ91 4．8 91天

0 to 3 months guangdong development bank "Pay the full foot"Week week to send 121126 - D91 4.8 91 days

　　3－6个月 北京银行(601169,股吧)心喜系列第44期Ｇ011211061非保本理财产品 4．85 119天

3-6 months Beijing bank(601169,guba)The heart is fond of series 44th period G011211061 non break-even financial products 4.85 119 days

　　6－12个月 南京银行(601009,股吧)珠联璧合（1209期10）364天理财产品 4．8 364

6 to 12 months nanjing bank(601009,guba)fits(1209 period 10)364 days financial products 4.8 364

　　统计范围：主要商业银行面向全国发行、销售起始日在统计周内的非结构性本币理财产品。

Statistical range:The main commercial Banks facing the whole country issue/Sales inception in statistical weeks unstructured local currency financial products.