New Financial Tricks "Around The Dizzy" Investors

Buy a financial product, 1 years later to move the altar wine home. Listening to the introduction of bank financial manager, let investors Mr. Wang is somewhat laughing and crying. He said he thought that the deposit reserve ratio should be raised, and the banks could launch several high-yield financial products recently. The result is unexpected. The Bank launched several innovative products, but bought or did not buy them, making Lao Wang in a dilemma.

In this regard, the relevant experts pointed out that many banks are increasing the right. financial products The R & D and innovation efforts of various investment target financial products emerge in an endless stream. Investors should have a clear idea of the attributes of products, and choose suitable financial products according to their risk bearing capacity.

　 Financial innovation and annoying customers

A large state-owned bank launched an innovative financial product on Thursday, which made the old king waiting for nearly a week very excited. He queued up outside the bank early in the morning.

But when he heard the introduction of the bank financial manager, Lao Wang found that there were many novelty in these products. Unlike previous products invested in commercial paper, bond, A share market or loan to these traditional investment targets, this new product is invested in high-end liquor.

Lao Wang told the China Securities Daily reporter that the scale of the product was 200 million yuan, with a term of 1 years, and 20 thousand years old wine invested in 20 thousand years. The price of liquor for each altar was nearly 10 thousand yuan. The product has set the two expected revenue. If the customer chooses cash income plus principal, the expected annual yield is 4.5% after the expiration of the product, and after the expiration, the customer does not take the cash, but takes away the liquor, then the cash yield of the annual yield of 6.7% can be obtained.

A senior financial manager of a bank said that if the annual revenue reached 6.7%, it would be attractive enough, which was higher than the 5% yield of the same class financial products on the market, but it was based on the investor's choice of carrying the altar liquor home. If the customer chooses to recover the cash principal and interest, then about 4% of the profits can be said that such products are everywhere in the market.

Is it wine? Is it money? In fact, let Lao Wang hesitate to do so. Lao Wang said, "I never drink liquor, nor do I have any research on liquor. I searched the Internet." the so-called 30 year old wine does not have any market price as a reference. "One altar is worth ten thousand yuan?" Lao Wang really doubted, "if I also recognize Moutai, I heard that now the Moutai porcelain can sell a thousand yuan. But this is not Moutai, after all.

The bank insiders say that although this product is known as the pioneer of China's financial market, it also has enough gimmicks, but it is still hard for people to get home with wine. After all, liquor is not as easy to carry as real gold and silver. Liquor storage and transportation require higher conditions. Moreover, customers can not spend 10 thousand yuan of liquor on their own consumption in the future. Most of them are for preserving and increasing value.
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　 Mature products are more popular.

Lao Wang said that investors in bank financial products should keep pace with the times. "Otherwise, we can't understand this endless pattern."

Today, the bank's liquor management, 2000 page product introduction, let Lao Wang really study for a while. He said, now the bank financial products are getting more and more complex, before buying gold, linked to a stock, enter the overseas market, we can still understand. But now that liquor and artworks come together, what sub priorities and grades are getting higher and higher, but do they make us earn more money?

A bank financial manager said that innovation does not mean that the profitability of products is enhanced. High yield often means a high degree of profitability. Product risk Therefore, when choosing financial products, investors need to be aware of the risks and benefits of the products.

before Innovative products Most of them are issued by foreign banks, and our Chinese banks just follow the example. Over the past few years, Chinese banks have increased their R & D efforts and made gratifying progress in the innovation of financial products. However, she pointed out that when innovating financial products, it is difficult to avoid loopholes and deficiencies in product design, or even defects, which may eventually cause losses to investors. Such incidents have occurred in the history of the development of Chinese and foreign bank financing products.

For this reason, she suggested that investors should choose some mature financial products, especially the current "May Day" holiday approaching. The general banks will launch short-term financial products that invest in the money market and have higher returns. The design of these mature products is simple and clear. Banks are more strict in risk control and more suitable for general public investors.