Oneself have 20 old experience in the market between financial bank and Internet money market, the hope popularizes the potential risk that the masses does not know through knowing series way easily simply, help everybody how invest carefully, follow-up series still can lift market of secretary home heavy goods, outside dish futures, foreign currency, all sorts of mode such as P2P conduct financial transactions are how of kite, ask attention.
Above all, we know the business of the bank simply first, banking Wu breed is very normally much, simple classify is two kinds of major servicing, the first kind is to put shift business, another kind is the business intermediate.
" put shift business " the main gain origin that is a bank, namely you put money bank, the bank gives you interest, the money that the bank is taking you goes borrowing money others, for instance loan buys a house to others, usurer should return bank capital + loan interest rate. So, the interest that loan interest rate deposits money than you is high, such price difference are the profit that the bank earns. The risk of this business bank lends a company in the money that taking you at the bank, the enterprise closed down, cannot return money, become bad Zhang (of course, normally bank loan has assure the company will repay, but if assure,the company also goes a problem to become bad Zhang, bank interior wind accuses here not to say) more, so, how does the bank return your capital and deposit interest, take namely from the back the Qian Xian of depositor is returned you, take in the dance floor that from everybody money puts together namely, this calls capital the pool (actually, bank mode and the Pang fraud pattern of a lot of P2P platform are very similar, it is the bank has financial license plate only, the country is superintended have safeguard, belong to lawful management) , the bank has bad Zhang every year to take do not return money, and, bank employee wages, development system is devoted, give the reserve of the Central Bank need money, it is will take from this pond, so, if the bank is bad Zhang is very much, rely on follow-up in a steady stream to deposit money to just can offset the deficit in front ceaselessly only, safeguard bank does not close down, this also why annual the bank draws deposit desperately. Additional, the bank also comes with other method desperately raise money, appear on the market for instance, issue sub debt, partner financing, between the bank conduct financial transactions of a person of same business will enlarge dimensions, perhaps offset deficit.
" intermediate business " it is all business that the bank earns a service to expend through the service, be like, bank conduct financial transactions, the bank is crossed condition pay, all sorts of poundage, era sells insurance to wait, saving interest rate was unlocked now, bank deposit and difference of loan interest rate are less and less, a lot of banks can rely on to develop the business intermediate manage bank gain only, but so much bank, competition also is very big.
If battalion of silver-colored go by is bad, deficit deficit is larger and larger, possible still meeting closes down, especially the local small bank with weak competition ability, nevertheless on May 1, 2015, state bank closes down if the bank closes down,code is decided is to insurance company compensate gives you inside 500 thousand deposit, it is difficult to exceed a share.
Also remind again here buy bank conduct financial transactions, namely the money go off with that the bank sells conduct financial transactions to get you invests, do not assure profit, that is to say of won't rigid cash (superintendency policy asks forcibly, carry out) immediately next year, but at present, the bank won't running to assure a client, basically invest the money that had a deficit to take oneself to compensate you (rigid cash) , especially small bank more fear the client had a deficit to run to others home bank because of conduct financial transactions, so, bank conduct financial transactions still is safe at present. You are buying time of bank conduct financial transactions, want particularly advertent where does this conduct financial transactions invest, if of investment mark is financial debt, governmental debt is safer, if invest fiducial, enterprise bond, you were about to take care. If you fear capital loss, can buy a few big bank savings, or structural sex deposit is safer, the local government bond that issues recently is safer also.
