Wealth management products, or WMPs, might be the best thing that ever happened to Chinese savers. Sold by banks as a substitute for deposits, wealth management products are short-term investments that offer significantly higher returns than the famously anemic deposit rates mandated by China's central bank.
理财产品可能是迄今为止落到中国储户头上的最大意外之喜。银行将理财产品作为储蓄的替代品向客户出售,这些产品是短期投资,其回报率要比中国低得出名的银行存款利率高出许多。中国的银行存款利率由央行强制规定。
However, very little is known about how the banks invest these products and what we do know seems to be getting less and less.
但人们对银行将出售理财产品获得的资金如何投资却所知甚少,而我们在这方面所能了解到的情况似乎也越来越少。
There is no official data on the volume or composition of wealth management products issued by Chinese banks, but a Chengdu-based research outfit called Cnbenefit tries to keep track of where the money is going.
虽然中国没有关于银行所发售理财产品的数量及构成的官方数据,但成都一家名叫普益财富(CNBenefit)的研究机构却在试图追踪了解理财产品所募集的资金正在流向哪里。
According to Cnbenefit the products are typically invested into one of half a dozen different asset categories: structured deposits, bonds and interbank loans, foreign currency debt, corporate bills, credit products, and 'other.' And according to Cnbenefit's most recent data, 'other' now accounts for more than half of all new wealth management products issued.
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