The bank keeps product of this conduct financial transactions, the economy kind fire that regards us as first selection of ordinary common people some year. Because its acceptance is protected,maintain income originally, and a lot of short-term products are bought agile, although good nevertheless share fund is compared on accrual, but exceed monetary fund or appropriate appropriate.
As by April " the directive opinion that runs business about asset of normative finance orgnaization " (abbreviation " endowment canal new rule " ) release, bank conduct financial transactions also cannot be protected again maintain income originally.
After endowment canal new rule comes on stage, endowment canal product should execute net value management, product of conduct financial transactions turns float into accrual from fixed income, investor takes higher profit likely, take smaller profit likely also, even deficit, pass my observation, the come on stage purpose of new rule is to break " firm add " .
What is " firm add " ? Why should break " firm add " ?
"Firm add " it is rigid cash, below rigid cash clause, product of even if conduct financial transactions expires to did not achieve corresponding earnings even deficit, financial orgnaization needs to think pay for sb and expect to be repaid later of method reveal all the details, will produce massive harm to the accredit of investor otherwise.
However, firm add is equivalent to risk marry again to financial orgnaization, but eventually wants somebody to buy sheet. When economic situation is good so do return a problem not quite, but if economic depression or financial environment appear queasy, risk of break a contact diffuses like meeting resembling contagion, final authority suffers disaster.
Rigid add refund can bring about investor to seek high income blindly, ignore potential risk, because always wanting to won't have a deficit anyway in the heart, nature is which accrual buy which high, the bank issue an orgnaization to attract a client accrual of can ceaseless drive up, investor risk is congenial, financial orgnaization excessive delivers a product, cause the twist of market fund flow direction and price, finance having damage is stable.
The provision is concerned besides what break firm add in endowment canal new rule, still make to deadline of product of conduct financial transactions awful the compulsive regulation under 90 days, before all sorts of short-term bank conduct financial transactions also cannot sell, this kind of product is equivalent to tearing apart long-term investment short-term put on sale, but if some first phase sells little, deadline fault deserves to will cause liquidity risk.
Henceforth, the product of conduct financial transactions of bank put on sale turns transition product and structural sex bank savings for net value, buy product of this kind of conduct financial transactions in the future for convenient everybody, I say with everybody how accrual should calculate.
Net value turns a product fund of similar and open mode, initiative net value is 1, investor buys product of this conduct financial transactions, will conversion component number allows investor hold, end investor is redemptive that day, the share that uses investor hold figures net value of product of X conduct financial transactions, deduct the expense such as formalities next, the capital that is investor namely + accrual. Net value of product of conduct financial transactions is daily announce, this net value is floating, fluctuate as the yield of product of this conduct financial transactions and drift, the advantage is deadline relatively agile, circumstance of profit and loss can in time inquire.
Structure bank savings is similar and big deposit receipt, put one part fund rise to be protected in order to seek this, the fraction that remain is derived as finance taste investment, high income of try to gain, understandable be a product is composition of two parts structure, call structural sex deposit so. Finance is derived taste investment direction to include interest rate, exchange rate, stock, commodity, credence, index to wait a moment, of mark of this kind of investment because stability bandwidth is taller, the income that receives possibly so is more traditional monetary market is higher.
How will select product of bank conduct financial transactions henceforth so? Protecting this?
Actually everybody can be at ease, though endowment tube is new compasses the bank after coming on stage no longer acceptance protects this protecting to cease, but at the beginning of as a result of major bank grain property tastes a design consider risk factor strictly, invest the traditional still currency market of mark, even if is structural sex deposit, the part that invests venture market is occupied than very low also, so major product capital still has safeguard. Although cannot again firm add, but the bank also cannot have a deficit the fascia that the fund of investor failed him. Have a risk otherwise likewise, who can still pick this kind of income so not enough is the investment that view phyletic?
But after all market regulation is changed somewhat, when everybody will invest product of bank conduct financial transactions henceforth, also ought not to continue the old idea that hold goes.
It is to accept the inevitable trend that cancels rigid cash above all, correct expect the yield convention when real yield, the risk of the product below the many consideration when buying and accrual accord with him to anticipate.
Transform next train of thought, the society stabilizes investment for a long time, because will be bought henceforth,float of profit and loss and poundage factor should consider when net value product, must not follow so buy chase after like the stock go up kill drop back and forth do sth over and over again, keep patient low buy sell high for the best thing to do.
It is additionally should accomplish when investment mix calmly reason, him education buys the consciousness of assume sole responsibility for its profits or losses of product of conduct financial transactions, can bear certain period or forehead spend the deficit inside, be opposite at the same time freeboard accrual phenomenon somewhat vigilant, must not fanatic someone else, do not follow suit not follow the general trend.
Still want to carry finally, even if buys product of conduct financial transactions in the bank, also should beware " flying sheet " phenomenal happening, those who ensure the product that he buys is bank put on sale is opposite and character is a few safer.
