Product of conduct financial transactions has a lot of now, what a lot of investor look is dazzling, also a lot of invest Xiaobai to understand in the ignorant in the world of conduct financial transactions, explore step by step product of which conduct financial transactions is better. Now besides conduct financial transactions of monetary fund, bank, time deposit, whether had we heard structural sex deposits money? Product of what conduct financial transactions is it? Protect this, and other what is distinguished? Develop day fast borrow with a kind common language explains everybody, make every investment small can figure out in vain!
This compares simple good understanding, we go bank deposit, the agreement is restricted regularly when grow the form of a kind of deposit with interest rate. Deposit money at common current relatively, time deposit interest rate is higher, general time deposit also is big.
What is structural sex deposit?Structural sex deposit also is a kind of deposit, but the accrual of deposit distributes a share, one portion provides normally, another part interest is used buy certain finance period authority, will get higher income. Generally speaking structural sex deposit has two interest rate, have the interest rate that keep a copy, increase interest rate of a floating again. This floating interest rate, invest the profit of period authority namely. Regular bank deposit interest is subtractive accrual of the deposit that keep a copy, it is you pay the cost that buys period right.
Structural sex deposit uses one part interest at investing, trashy the accrual at investment is you protect this lowermost interest rate, if gains is better,use at the accrual of investment, so yield of your structural sex deposit is higher. Because because invest,do not have a capital, so structural sex deposit is to protect this.
Time deposit can be taken out ahead of schedule, structural sex deposit cannot be taken out with shifting to an earlier date, the means computation interest that time deposit takes out general meeting to be united in wedlock according to fixed interest rate and photograph of current interest rate ahead of schedule, you are for instance fixed 3 years, put one year 2 0 months were extracted, the regular interest that can calculate a year so and two current accrual of the month.
The anticipation that additionally structural sex deposits money accrual wants prep above time deposit, but possible also interest is inferior to time deposit. As a whole the accrual that structural sex deposits money is to have particular risk, capital does not have a risk.
Bank conduct financial transactions, everybody should know, it is the bank invests user capital bill of bond, fund, Central Bank, the enterprise is short-term financing, but bank conduct financial transactions is not protected now this, break firm add, requirement him investor bears the loss that invests generation
The distinction of deposit and bank conduct financial transactions?Structural sex deposit and time deposit are deposit, should deposit money to Central Bank pay likewise reserve in order to ensure the safety of capital, and they are inside limits of safeguard of system of national deposit insurance. And bank conduct financial transactions does not suffer deposit to be sure to ensure, also need not pay reserve, capital and accrual are to be not protected this, at present nevertheless the risk of bank conduct financial transactions still is smaller, with monetary fund, also be a kind of choice.
Above is the distinction of deposit of sex of time deposit, structure and bank conduct financial transactions, investor can understand hope everybody clear up.
This article discusses finance and economics to be achieved formerly for develop day, state hereby!
