Chinese people bank released data May: In April 2018, resident deposit reduces 1.32 trillion yuan compared to the same period.
Everybody sees this data, also can't help thinking, why to meet such? Some media garble, exclamation in succession saving prediction of a person's luck in a given year is too serious!
But Xiaosi tells everybody, not confused!
Discover after course data is investigated, these two years, annual the resident dimensions of people bank has abundantly to decrease first quarter, dimensions is controlled in 1 trillion yuan, this is a normal phenomenon only.
Why can money running?
Begin from 2016 actually, the message of new rule of financial break a contact, endowment canal appears ceaselessly, clew gives the indication that deposit moves greatly.
So, why can money running?
Go lever, severe superintend! Endowment canal new rule is transferring, do not get acceptance to protect maintain income originally. . . . . .
Look in Xiaosi: Before endowment canal new rule comes on stage, "Letter -- acceptance " with contract of conduct financial transactions cannot part. . . . . .
To those " wealthy person " for, financial orgnaization waits in bank, fair collect, cast to maintain the project of conduct financial transactions that maintains income originally, support is fixed year change yield, lying to earn money to also can make money, recumbent accrual also can fare.
And for the orgnaization that to the bank property of put in order of this kind of sell tastes, "Get a person hold in the palm, acting person conduct financial transactions " make creed, and the core of credo is contract of conduct financial transactions go up protect this protecting breath acceptance!
The result is -- do not get beak a contract! -- can lie to earn money so. . . . . .
However, differred now, forbid acceptance to protect maintain income originally. . . . . .
Do not have forever on the contract " acceptance " 2 words. . . . . .
Credit and interest rate parted company. . . . . .
The project of conduct financial transactions of financial orgnaization can entrust an agreement in capital in, does body reveal how old credence?
Xiaosi thinks: Protecting this protecting to cease is stronger of course, because of the data that that since can quantify, also be OK change character " acceptance " .
However now, protect this protecting news article is expunged by endowment canal new rule, lose this one clause, property changed.
Previously, friends go a bank conduct financial transactions, those who buy is the result of conduct financial transactions.
And now, credit (contract) it is one and the same, acceptance (yield) it is additional one and the same, those who buy is the process of conduct financial transactions only.
If, conduct financial transactions had a deficit, banking can say only: "We endeavored, we are very helpless. . . . . . ..
The psychology with sufficient to obligate of price of credit risk excessive investor prepares.
"Money " also have to the reappraise is whole the value of all financial capital administrations on money market, where home is worth to go?
Does penny money go which?
Very simple: Which income is high, money goes! If pursue:
04
"Money " in evaluate, should I go?
The commercial bank is urgent. . . . . . Moved protect this protecting invisibly breath acceptance! With capital of steam again of structural sex deposit!
Clew one:
The dimensions that sex of each district structure deposits money
Of long-term unknown to public " structural sex deposits money " put a quantity to soare suddenly.
Serve as not to calculate burgeoning financial product, grow quickly however since 2017, not be accidental, it is endowment canal however what new rule carries out is inevitable!
Xiaosi knows, a lot of people meet for certain one face is muddled force: "What is structural sex deposit? "What is structural sex deposit??
So-called construction sex deposits money, it is to point to " the embeds finance derives a tool deposit that financial orgnaization draws.
Fluctuate through what wait with interest rate, exchange rate, index link up with or as hypostatic as some credit circumstance link up with, the business product that makes depositor gains higher income on the foundation that assumes particular risk " .
Structural sex deposit can regard as " deposit + period authority " , its have fixed income negotiable security and finance to derive tasted double feature.
Everybody still understands the likelihood not quite, xiaosi makes an example to everybody:
If, you have 1 million, tasted current situation is produced in conduct financial transactions to showing, very helpless. Because endowment canal new rule does not allow to protect this protecting to cease, do not have stable safe appreciation acceptance so.
This moment, the business personnel of the bank will look for you, recommend product of a kind of conduct financial transactions to you.
Bank staff can say with you:
"Endowment canal new rule was executed now, products of all conduct financial transactions are not protected outside this, you 1 million put me here, I this has product of a kind of conduct financial transactions, be close to Yu Baoben to protect breath.
It is so run, among them 800 thousand I buy national debt to you, annual yield 3.4% ; Additionally 200 thousand, I buy exponential period right to you.
Want A only on card index still is in 3000 bits of above, your accrual has 8% , also be with respect to ten thousand and six.
But if go up,card index declines 3000 the following, your yield has 2% only, the profit that has 4000 only " .
The staff member of the bank returns clew:
"But you must mention expressly in the contract, be willing to bear the deposit loss of 10% . Be willing to bear the deposit loss of 10% ..
Good, xiaosi analyses an analysis to everybody:
1, structural sex deposit is tool of innovation of a kind of finance.
2, structural sex deposit is to have to betting an agreement, have particular risk, but the risk can accuse.
3, structural sex deposit is to be being felt substantially " monetary policy " arteries and veins. Because monetary policy is inside proper time,be changeless, rely on the judgement to monetary policy, make be similar to " period authority " the investment activity of property.
4, the bank that professional finance studies a group, can design trade model, how many can 1 million earn with assuring this, can deficient how many!
5, the bank is intermediary only, it is substantially in collection administration fee.
6, the structured deposit threshold of true Gao Shuiping is very high, often be in 3 million above.
7, most structural sex deposit mixes professional managing without financial model, it is substantially with plum ghost installs Li Kui.
8, the amplification of dimensions of structural sex deposit, because have the meaning of rigid cash,be.
9, structural sex deposit closes the gender is strong, the fund liquidity that often creates a client is dull.
Xiaosi hints everybody:
Although structural sex deposit has invisible protect this colour, but the threshold that structural sex deposits money is high, close time is long.
