火爆一时的短期理财基金规模下滑。数据显示，今年成立的理财基金平均规模为51.58亿元，较去年缩水30%。在首发规模缩水、留存率较低的背景下，基金公司对这类产品的热情也开始减退，有部分基金公司甚至准备放弃发行。

A hot short-term financial fund scale down.Data display,This year the financial fund established average size for 5.158 billion yuan,Last year a shrink 30%.In the starting size shrink/Retention rate low background,Fund company for this kind of product enthusiasm began to decline,Some fund companies even ready to give up issue.

　　据一家基金公司人士表示，因去年短期理财基金非常火爆，该公司曾经计划发行一只短期理财基金，但现在已经决定暂时放弃该产品。深圳一家基金公司人士也表示，在理财基金火热之时，公司就做了研究报告，因投入和产出比不高，因此选择放弃。

According to a fund company officials said,Last year because of short-term financial fund is very hot,The company has plans to issue a short-term financial fund,But now has decided to forgo the product.Shenzhen a fund company people also said,In the financial fund when hot,The company will do the research report,Because of the input and output ratio is not high,So choose to give up.

　　一位基金公司人士算了一笔账，理财基金没有认购、申购、赎回费，银行从基金资产收取的费用只有0.08%的托管费和0.3%的销售服务费。而这类基金管理费通常最高为0.3%，一般基金公司将其中的40%～60%给银行，那么在保证份额不丢失的情况下，银行可以获得0.5%～0.56%的收入。而银行销售股票类产品可以获得2.3%～2.5%的收入，银行动力明显不足。

A fund company people calculate a bill,Financial fund not subscribe/purchase/Redemption fee,The bank fund assets from the cost of collection is only 0.08% of the trustee fee and 0.3% of sales service charge.And this kind of fund management fees are usually up to 0.3%,The general fund company will be one of the 40% ~ 60% to the bank,So in that share not lost cases,Banks can get 0.5% ~ 0.56% of the income.And Banks to sell stock products can get 2.3% ~ 2.5% of the income,The bank is not enough power.

　　而且，据证券时报记者了解，目前建设银行(601939,股吧)等银行已经停止为包括理财基金在内的低风险产品，向分行划拨销售产生的中间业务收入，这就意味着，为了刺激销售，基金公司必须自己加码激励。但这种激励并不能计入这些渠道和人员的考核中，因此在同等条件下，销售人员还是更愿意卖有中间业务收入的其他基金产品。

and,According to the securities times reporter understanding,At present the construction bank(601939,guba)And the bank has stopped for including financial fund, the low risk products,Sales to branch transfer an intermediate business income,This means that,In order to stimulate sales,Fund company must extra incentive.However this kind of incentive and not included in these channels and personnel in the assessment,So in the same condition,Sales staff or more willing to sell a middle business income of the other fund products.

　　“如果短期理财基金一直能保持较高规模，确实能得到较好收益，但在目前市场环境下，很难保持较高规模，需要一直进行持续营销，而持续营销费用也比较高。”据上述深圳人士表示。事实上，自短期理财基金诞生之日起，留存率就非常低。数据显示，2012年短期理财基金赎回比例高达50%，更有不少短期理财基金规模缩水超过80%。

"If short-term financial funds have been can maintain a higher scale,Do get a good income,But in the current market environment,It is difficult to maintain a higher scale,Need to have been for continuous marketing,And constant marketing cost is high."According to the shenzhen people said.In fact,Since the short-term financial fund the date of its birth,Retention rate is very low.Data display,In 2012, short-term financial fund redemption ratio as high as 50%,There are many more short-term financial fund size shrink more than 80%.

　　因此，今年以来销售的理财基金基本上都是银行系基金公司或者大基金公司旗下产品，中小型基金公司发行此类产品很少。

so,Since this year sales financial fund basically are bank system fund company or fund company's products,Small and medium-sized fund company is to issue such products with little.

　　而且，短期理财基金的首发规模也在缩水。Wind数据显示，2012年短期理财基金发行规模2632.884亿份，占全年新基金首募6800亿份规模的近四成，平均首发规模达到75.225亿份。而今年理财基金的局面大不如前。截至2月8日，2013年成立的14只理财基金，平均募集规模51.58亿元。相较2012年单只基金平均首发规模，缩水比例超过30%。而且，若除开5只银行系短期理财基金，平均募集规模就降到了36.68亿份，缩水超50%。

and,Short-term financial fund scale also start in shrink.Wind data display,In 2012, short-term financial fund issue size of 263.2884 billion,Account for the new fund first offering 680 billion of nearly forty percent of the scale,The average starting scale up to 7.5225 billion a.This year the situation of financial funds are not as good as before.By February 8,,Established in 2013 and only financial fund,The average size of raise 5.158 billion yuan.Compared with 2012 single fund average starting scale,Shrink ratio of more than 30%.and,If the bank system except 5 only short-term financial fund,To raise the average scale dropped to 3.668 billion copies,Shrink over 50%.