The age that bank conduct financial transactions keeps this protecting to cease rings down the curtain formally.
After times of endowment canal new rule, bank conduct financial transactions begins to move toward the way that breaks firm add, more and more banks had begun to stop to keep the sale of product of this conduct financial transactions in succession, the calm danger that puts in a suitable place to breed freely covers interest period to be gone forever.
Besides product of bank conduct financial transactions, a variety of protecting this fund also is faced with transition and Qing Dynasty dish destiny.
Show according to not complete count, about 30 protect this product to expire only 2017, chose transition for the most part among them, or bond fund, or mixture fund, also individual choice transition makes an index model with stock fund, of course also one part chose Qing Dynasty dish.
On the other hand, according to Wind data statistic, will 62 protect this fund to expire only 2018, as before can 45 final protected this fund to expire 2019, these 107 add up to of one hundred and sixty-nine billion two hundred and two million yuan of dimensions this fund also can greet transition gradually or protecting is clear dish destiny.
Why to protect this conduct financial transactions to disappearing?
This year in April, the 4 ministries and commissions such as the meeting issued watch of the Central Bank, card jointly " the directive opinion that runs business about asset of normative finance orgnaization " , new rule made clear asset management business not to get acceptance to protect this protecting again accrual, break rigid cash.
What should we understand above all " rigid cash " .
Alleged and rigid cash, say simply even if the action of reveal all the details that the endowment canal product that financial orgnaization distributes to its takes, in the bank conduct financial transactions, fiducial wait for a domain presence is relatively widespread. When place of product of conduct financial transactions corresponding fundamental asset is run be inferior to anticipating, when cannot generating corresponding profit, if want " rigid cash " , it is to need to employ the capital of others to come your capital adds cash of accrual.
Right now, your bypass risk, if expect the earnings that achieves euqally, transferred the risk that should assume originally financial orgnaization and other investor to go up personally, paralytic your keenly feel to the risk.
The mad place of this loop depends on, if you cannot jump, having a look at onefold and individual firm exchange action is how terribly, the health that chronic ground, essential sex ground damages whole of endowment canal market and vitality, consequence will be very terrible.
And why to prohibit fault of capital pool business, deadline deserves to wait, can you stop this mad loop?
Cite a case simply: Decide the money of amount when brushstroke spy, throw in specific project inside specific deadline, after expiring, if the project runs a cash capital successfully to increase profit, if the project is run,be inferior to anticipating, criterion accrual may decrease even capital is likely deficit.
But no matter be,earning is deficient, the risk is by strictly demarcate in this product, won't be conducted and diffuse, you can imagine one is block up aeriform " wall " kept apart a risk, how much does others earn to have nothing to do with you, more or less to also have nothing to do with you fortunately.
But fault of capital pool, deadline deserves to wait, was equivalent to overturning this to block aeriform risk up to keep apart a wall however, the origin of money by promiscuous, short-term the money that wants the Qian Hezhong of cash to want cash for a long time by promiscuous, today, your accrual may come from the capital at others, tomorrow, your capital is used possibly also at the deficit of cash others.
Did not have protect this protecting to cease, net value times rises abruptly
Be born of endowment canal new rule, break rigid cash, financial orgnaization needs to execute net value management, short-term inside, orgnaization of one part finance, especially the bank may face greater pressure.
But from will for a long time look, the business of industry of will normative conduct financial transactions grows, quicken the road of the transition of bank conduct financial transactions, true regression invests an industry " acting customer conduct financial transactions " source, come true " the person that sell is responsible, the person that buy is conceited.
The person that has bought fair collect fund knows. Every fund has a net value, net value went up to make money, net value dropped with respect to be out of pocket.
Net value management means product of conduct financial transactions of the following bank, their accrual also is floating, both neither is protected also do not protect originally breath, it is float accrual completely, be special resemble fair collect fund?
Chief inspector of product of company of a large fund is analysed, all the time since basic firmly held the bank a month arrives the economy market of 3 months deadline, although fair collect fund ever began 2012 large-scale distribute fund of short-term conduct financial transactions, but deadline also is mostly 7 days, 14 days, 28 days are given priority to, main fill the bank is in the blank on this kind of deadline.
And come on stage as what ask for opinion draft, prospective fund company will go more easily layout issues a month to arrive the product of conduct financial transactions of 3 months, and fair collect fund has quite a few to accumulate on the management of net value product, having larger dominant position than the bank.
On one hand the sale that phase out tastes to protecting this grain property, one side is product of conduct financial transactions of net value bank will be faced with and the direct competition of fair collect fund. To the bank, it is very big that with front of fair collect fund competitive pressure is returned.
Go below firm add times, if make good choice?
We think, investor should learn regression to invest source truly. Responsible to oneself money, combinative oneself risk bears ability, make the asset that suits oneself most configure arrangement.
When beginning investment economy, need holds to the following:
The first, must face up to a risk, see a risk first, see earnings again. The society matchs risk and profit, remember risk and accrual well to become direct ratio, keep vigilant to freeboard earnings hour. Before paying close attention to accrual, should pay close attention to the security of platform more.
The 2nd, when treating any to invest the product of mark, must see well " main area " , what is the final capital fund that should see clear product namely, the zephyr of setting actual strength of platform controls capacity how.
The 3rd, it is the problem to firm add, also need not worry too too, suffer from imaginary fears. Platform cannot firm add, do not represent safe without other investment safeguard and risk control step.
Peaceful and fortune, beijing high grade residence mortgages the investment product in under one's name, enjoy true hypothec, hold a safety and accrual concurrently, can deal with, show changeably, fight a risk, it is medium produce estate the sagacious choice of big economy.
End
