Current, after endowment canal new rule comes on stage, all bank conduct financial transactions by expect earnings kind conduct financial transactions turns for net value conduct financial transactions, the blame that this kind of net value conduct financial transactions is type of one phyletic fund keeps this open mode economy. Bear according to the client's risk ability is different, cent is inferior risk, moderate risk, higher risk and high risk. Future buys product of bank conduct financial transactions to also want to break firm add, both neither is protected also do not protect originally breath.
Face, the bank is not protected do not defend the new rule of breath originally, a lot of investor are afraid, if bought product of conduct financial transactions to encounter most extreme incident, is capital utmost met loss how many? To this, we think, go up from theory for, buying bank reason property to taste numerical value of the biggest loss is 100% , but actual condition is not such, arrive fortunately truly the comparison of the investor of capital is infrequent.
On one hand, the asset configuration of product of bank conduct financial transactions basically is give priority to with bond, the money that the bank took you is cast normally to, the bond capital fund, creditor's rights that be not mark kind deposit of asset, cash and bank deposit, a person of same business, tear open put a person of same business to reach buy return carry out capital of low venture of this a few portions is occupied than be as high as 80% , the rights and interests with higher risk kind asset, finance is derived article occupy control than also having 10% only, in this kind scale configuration falls, no matter conduct financial transactions manages a person how to be operated, the probability that produces loss is very small.
On the other hand, look from associate with outstanding achievement, product of the money that buy grain produces the probability next to nothing of deficit. Look from statistical data, annual distributed product of ninety-three thousand five hundred conduct financial transactions 2017, produce capital loss have 44 only, and of capital repay on average rate be as high as 89.1% , that is to say average capital loss late is only 11% , this probability is low-down, and the much that produces capital loss is illicit collect product, ordinary common people is not contacted at all.
So, when investor is buying product of bank conduct financial transactions, want to notice to choose what item, fall the loss of likelihood happening to lowest? Above all, the investor that hates a risk had better buy the product of bank conduct financial transactions of on the low side of grade of a few risks, although yield is in 4% to 5% between, but the risk is lesser, for instance " one class " and " 2 class " product. "One class " it is normally, discretion product, "2 class " be " dovish model product " .
Data shows, each grain property that big commercial bank releases tasted annual 2017 volume of total collect financing is one hundred and seventy-three thousand five hundred and ninety billion, among them risk grade " one class " and " 2 class " volume of product collect financing achieved one hundred and forty-four thousand five hundred and ten billion yuan, occupy than be as high as 83% . Of incidental deficit " 4 class " and " 5 class " volume of product collect financing has 280 billion only merely, occupy than mere 0.01% . So, the investor that hates a risk can buy the product of conduct financial transactions with risk inferior grade.
Moreover, besides can buy " one class " and " 2 class " outside product of bank conduct financial transactions, investor does not take all capital to buy product of a kind of conduct financial transactions, also perhaps can buy a few national debt, big deposit receipt to wait, do not put the egg in same in basket, such although be below extreme circumstance, the family that also can assure oneself has sufficient liquidity.
Finally, when buying product of bank conduct financial transactions, investor wants sharpen one's eyes, clear up the type of product of this conduct financial transactions, asset configures a structure to be given priority to with what, accomplish careful investment. In addition, be on guard even the risk that product of conduct financial transactions becomes insurance product. Partial bank and insurance, trust company cooperates, sell goods on a commission basis product of their conduct financial transactions, investor must not make a mistake, if the fault bought product of conduct financial transactions to give an issue, the bank won't owe any duty.
Product of bank conduct financial transactions is protected no longer this, the loss rate with the oldest capital is 100% , but this kind of situation happens very hard, the phenomenon that although investor buys bank reason property,tastes occurrence deficit is scarcer also. And as investor for, want to assure the safety of capital, can buy the product of bank conduct financial transactions with a few inferior risks, do not want covet usury to cease as far as possible, the property of the grain that be not silver that buys a bank to sell goods on a commission basis is tasted, such if appear loss, capital is defeated by light is possible.
