中国理财产品为何值得担忧_时事_双语阅读-查字典英语网

中国理财产品为何值得担忧

普益财富说，这些资金通常被投向六种不同资产类别中的一种，这些资产包括结构性存款、债券和银行间贷款、外币债券、企业债券、信贷产品和“其他类别的资产。普益财富的最新数据显示，新发行理财产品所募集的资金目前有一半以上都投向了“其他类别的资产。

That could be a problem.

这或许是个问题。

'Other' type products are typically a jumble of different types of asset classes a few interbank loans, a sprinkle of foreign exchange products, a dash of structured deposits that together defy easy categorization. But analysts and bankers say that the products are increasingly being filled with loans as banks look for a way to continue offering robust interest rates in an effort to stay on top in the cut-throat competition for customers.

那些容纳了各种不同种类资产的金融资产通常会被归入“其他类资产，这些金融资产会含有一些银行间贷款、少许外汇交易产品、或少量的结构性存款，由于这些资产是多种类别资产的混合体，因此难以对其进行归类。但分析师和银行家们说，“其他类资产中目前正越来越多地充斥着银行贷款，因为各家银行正纷纷寻求继续向储户提供高利息的途径，它们希望以此在非常激烈的客户争夺战中继续占据上风。

With about 10 trillion yuan ($1.6 trillion) invested in wealth management products by the end of March according to Fitch Ratings, that could mean that the banks have lent out a lot more than anyone is aware of.