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从去年开始,侯女士把自己的理财产品都集中在了银行的理财产品上,她把家中的银行存款拿出了80%,用来购买各类银行的理财产品。像侯女士这样的人并不是个例,她只是将储蓄存款变成理财产品的众多银行客户中的一员。正是这样一支队伍,撑起了去年银行发行的3000多款理财产品。而这众多款项的金融理财产品,被金融领域的专家们普遍认为是即将实现利率市场化的催化剂。近来社会各界对于加快利率市场化的呼声日益高涨,中国人民银行行长周小川也就推进市场利率化的问题通过媒体或公开场合频频发声。
Since last year, Ms. Hou has concentrated her wealth management products on the bank’s wealth management products. She took out 80% of her bank deposits in her home to buy wealth management products of various banks. One such example is Ms. Hou, who is just one of many bank clients who turn savings deposits into wealth management products. It is such a team that holds up more than 3,000 wealth management products issued by banks last year. The numerous financial financial products, by the financial experts generally believe that the market is about to achieve the catalyst for the interest rate. Recently, all sectors of society have been increasingly vocal about accelerating the marketization of interest rates. Zhou Xiaochuan, governor of the People’s Bank of China, has also made frequent announcements on the issue of market interest rates through the media or in public.