Bank Financing Revenue To Reduce The Purchase Of Macroeconomic Regulation And Control How To Win The CPI

< p > < strong > > a href= "http://sjfzxm.com/news/index_cj.as" > bank financing > /a > Product < /strong > /p >

< p > < strong > regulatory tightening of bank financial products yields decline < /strong > < /p >

At the end of last year, Huaxia Bank was accused of default on financial products, breaking the zero default records of financial products, and the risks of financial products were truly displayed in front of people. P

In 2013, the CBRC continued to strengthen supervision over bank financial products.

At the end of last month, the CBRC issued the notice on regulating the investment and operation of banking financial services (that is, 2013 CBRC No. 8), and further requested information disclosure to investors and risk warning.

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A few days ago, reporters visited a number of banks in Foshan, and found that the number of financial products that several major state-owned commercial banks have subscribed under 100 thousand yuan in less than 100 days is less than 4% of the expected annual yield of P.

Joint-stock commercial banks will be higher, reaching 4.5%.

Many industry insiders predict that the yield of financial products will continue to decline.

In terms of information disclosure of financial products, major banks have more risk warning in their official website financial product manuals.

However, in actual sales, the major banks are in bad mix, and some salesmen try to ensure that there is "no risk" in financial products.

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< p > < strong > the average yield of financial products is generally reduced by 1% < /strong > < /p >

< p > over the past year, the booming banking financial market has exposed many problems abroad.

Although regulators have repeatedly reminded investors that buying financial products is an investment behavior, not a savings, and has certain risks, banks have ignored investors' tips on risks, so that many investors have lost money in financial products.

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< p > to this end, the CBRC issued a notice on regulating the investment operation of commercial banks' financial services at the end of last month, requiring commercial banks to realize the correspondence between each financial product and the invested assets (the subject matter), so that each product can be managed separately, set up accounts and accounting, so as to enhance risk management and control.

In fact, on 2012 New Year's day, the CBRC began to implement the "sales management method of commercial banks' financial products", and put forward many requirements for bank financial products, such as risk matching, professional risk disclosure, etc.

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< p > the CBRC's supervision on bank financial products has been continuously strengthened. On the one hand, it has made financial products more standardized, and it has also made banks' financial products not dare to attract customers with too high yield.

Mr. Liang, a financial planner of a joint stock commercial bank in Foshan, said that supervision strengthened the risk control while allowing the expected yield of financial products to decline.

Mr. Wang in Chancheng district also remembered that at the beginning of last year, he could still buy short-term financial products with an expected annual yield of 5%-6%, but until now, the yield has mostly dropped below 4.5%.

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< p > according to the statistics of the silver rate network, the average expected rate of return of RMB financial products in 2012 decreased from 5.2% at the beginning of the year to 4.3% in November, and began to stabilize in December.

Compared with the end of 2011, the yield of all major financial products was generally reduced by about 1 percentage points, and the expected yield curve dropped considerably.

Many financial planners told reporters in Nandu that the yield of financial products will continue to decline.

The above financial advisers suggested that under the current situation that the expected yield of financial products is lower, the public can consider some capital guaranteed and classified debt investments.

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< p > < strong > information disclosure the banks are in good and bad condition < /strong > < /p >

< p > at the same time, the risk of financial products is also exposed.

At the beginning of December last year, Huaxia Bank was sentenced to sell a financial product default, causing investors to lose at most 100 million yuan, breaking the zero default records of financial products.

Since then, large state-owned banks have been caught up in a third party product sale scandal which has led to the scandal of investors losing their lives.

The loss of these financial products exposes the risks hidden behind the prosperity of the bank financial market.

This risk is also passed on to the customers in Huaxia Bank.

Xiao Gang, chairman of the Bank of China and chairman of the securities and Futures Commission, pointed out that today's financial products are Ponzi schemes. Xiaogang's statement makes investors who buy financial products cool behind.

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< p > for this reason, the CBRC has always asked banks to do well in investor information disclosure and risk warning.

"Commercial bank financial products sales management measures" stipulates that the disclosure of professional risks and the rights and interests of financial products must be placed on the same page and presented prominently in the sales contract.

In addition, the publicity of financial products must be prompted: "financial management is not a deposit, products are risky and purchase needs to be cautious".

The scope of investment, the type of investment, the proportion of funds invested, the names and standards of bank charges need to be specified in the contract.

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< p > and in the newly issued notice on regulating the investment and operation of bank financing business, commercial banks should realize the correspondence between each financial product and the invested assets (subject matter), and fully disclose the situation of non-standard bond assets to investors, including the names and duration of the financing customers, the distribution of income at maturity and the trading structure, etc., and the changes in the non-standard creditor's rights assets or the risk situation during the period of the financial products' growth should be disclosed to investors within 5 days.

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< p > however, such information disclosure is not fully realized in the sale of financial products in Foshan.

Nandu reporters visited a large commercial bank on the people's road in Chancheng district. When the bank's financial products salesmen recommended several financial products, they confidently told reporters that the expected rate of return of these products could be achieved.

However, when a reporter asked whether a written agreement was expected on the expected rate of return, the staff explained that there was no need to make the agreement too cumbersome.

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Another bank employee not far away from P, when introducing financial products, also indicated that the expected revenue could basically be realized, but still put forward some potential risks.

For other non guaranteed financial products, we should fully inform the Nandu journalists of the risks and suggest that we should choose reasonable financial products according to their own conditions.

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< p > on the official website of major banks, information disclosure and risk warning are relatively perfect.

However, there are still nuances.

ABC's financial products will analyze the earnings of their best scenarios, and the worst scenario earnings, so that investors can have a general understanding of the size and scope of risks.

Gf will disclose the investment target of financial products.

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< p > < strong > a href= < http://sjfzxm.com/news/index_p.asp > > Real Estate < /a > /strong > /p >

< p > < strong > investment opportunities are not in residential < /strong > < /p >.

< p > < strong > in industrial and commercial real estate < /strong > /p >

< p > from the new "five states" to date, the state's regulation and control policy on real estate has not been relaxed.

Recently, the Ministry of land announced the plan for the national housing land in 2013. It can be seen that, according to the requirements of the State Council, all parts of the country guarantee that the supply of land in 2013 can not be less than the average actual supply in the past 5 years.

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< p > from the first quarter of this year, the enthusiasm of Housing enterprises is more positive than that of the same period last year, especially Vanke, poly and other real estate enterprises.

According to C R IC, Baoli real estate ranked first in the first quarter of 4 million 120 thousand square meters, and Vanke and Greenland took more than 3 million 500 thousand square meters, ranking second and third respectively.

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< p >, however, from the area of taking the land, large housing enterprises mainly choose a second tier city in the areas around Bohai, the Yangtze River Delta and the Pearl River Delta.

For the three tier cities, large housing prices are generally cautious.

The state owned construction land supply plan released by Foshan in 2013 shows that the whole city (except the Shunde District) plans to provide 2109 hectares of land, a decrease of 113 hectares compared with that in 2012, with a reduction of about 5%.

Among them, 350 hectares of residential land, the smallest amount of land for 5 years.

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"P > Foshan real estate association market Specialized Committee director Luo Yi Ke introduced that visits to Foshan many properties, will discover that the housing market housing product stock is sufficient.

Since 2009, the supply of land in Foshan has soared, resulting in a backlog of commercial housing stocks.

Coupled with the national macro-control requirements to ensure that residential property to meet supply and demand, Foshan property market residential projects are not better investment products.

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< p > however, there are still investment opportunities in real estate, that is, commercial real estate and industrial real estate.

With the promotion of urbanization in Foshan, the potential of commercial real estate in Foshan is being stimulated. The price gap between shops, office buildings and neighboring cities in Guangzhou is relatively large. Industrial real estate factories and other products, because Foshan is a big manufacturing city, these properties are still very worthy of investment.

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< p > < strong > > a href= "http://sjfzxm.com/news/index_s.asp" > stock market < /a > /strong > /p >

< p > < strong > the bottom is clear. < /strong > < /p >

< p > < strong > not optimistic about bank shares < /strong > /p >

< p > in the painful process of bottoming out in the recent stock market, the heavyweight profits have been reported during the three consecutive weeks of weekend, which has also led to the low opening of the market on Monday.

Last week after the bottom 2165 points, there was a low rise and high walk, the bottom of the signs are more clear, Anxin securities analyst Xiao Zhanpeng on the recent stock market so judged.

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< p > Zhongyang launched last Friday. This Monday's ability to withstand heavy losses is very strong. It fully shows that the 2165 point has been confirmed as a low level of adjustment, and a new wave of rising prices or a certain level of rebound is officially launched.

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< p > the gem index recently pulled out of the big line and continued to advance vigorously, which is close to the high rebound point in the year.

We can regard the gem index as a leading index, indicating the direction of market evolution.

On the other hand, it also shows that the power of hot money is relatively strong.

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< p > from the phenomenon of disk differentiation, we can also think that the traditional blue chip sector is not the focus of attention, and the most important leading force bank shares are not optimistic in the second half of this year.

The profits of the banking institutions are greatly influenced by the national policies. The income of the state-owned banks is mainly the spread income. With the interest rate of the state controlling the banks, the profit growth rate of banks will slow down, and the intermediary business income of banks will also be affected with the new regulations of financial products.

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< p > stock market investment in 2013, we are optimistic about the consumption sector.

China's economy is a big country economy, and domestic demand will increasingly become the engine of economic growth. With the current per capita indicators, there is still room for development. Therefore, we still have confidence in the long-term and long-term development of China's economy.

Industry configuration, optimistic about the consumer industry.

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< p > < strong > Gold > /strong > /p >

< p > < strong > rising or falling < /strong > < /p >

< p > < strong > is not gold. < /strong > /p >

< p > the recent collapse in gold prices triggered investors' doubts about the dangers of gold and other precious metals and their anti inflation functions.

Some analysts have pointed out that it is a misconception to equate gold with hedging currencies or to prevent inflation.

Historically, the trend of gold has been "ups and downs". After the rise, it often accompanied by a big drop, and the magnitude of the rise and fall is greater than expected.

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< p > Zhu Zhigang, vice president and chief gold analyst of Guangdong Gold Association, believes that the recent trend of gold price can be described by panic drop. Although gold price is staged "high diving", it is still at a relatively high historical level.

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< p > for ordinary investors, Zhu Zhigang suggested that the purpose of gold investment should be clearly positioned at this time. If it is to disperse the overall investment risk, it is not necessary to consider the price fluctuation factors too much. Generally, it is reasonable allocation and long-term holding according to the proportion of assets.

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Wang P, an analyst at Guotai Junan Securities, believes that the short-term gold price adjustment may continue because of the US economic recovery, the central bank's release of gold signals and technical support.

But domestic gold consumption is still hot. If this trend continues, it will play a key role in stabilizing the gold market.

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< p > "if we pay attention to the historical trend of gold, we will find that gold is not a product that only goes up and down.

To a large extent, the trend of gold prices depends on the market mentality and the operational strategies of powerful institutions. Ordinary investors need to maintain a normal mind and treat the market with caution.

Zhu Zhigang said.

Operation, the gold price short line still has the possibility of falling, investors must guard against the risk, control the warehouse.

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< p > < strong > fund > /strong > /p >

< p > < strong > stock fund < /strong > /p >

< p > < strong > the risk is still high < /strong > < /p >.

< p > 2013, a quarterly report of the fund was disclosed recently, and all the fund products of the 70 fund companies included in the statistics received positive returns as a whole.

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The Shanghai Composite Index closed at a 1.43% decline in the first quarter of P.

At the same time, all types of funds in the fund market received positive returns in the first quarter.

Haitong Securities data show that stock funds, mixed funds, bond funds and monetary funds increased by 3.65%, 4.32%, 2.97% and 0.87% respectively.

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< p > Xu Zheng, a financial planner of Foshan Merchants Bank, said that while the fund market returns were good, it should be concerned that the domestic economic situation is still not optimistic. The economic growth in the first quarter was 7.7%. The weak economic recovery has been confirmed, and the economic rebound is not as strong as expected.

Judging from the current stock market valuation, there is little room for future downfall, but it is still advised that the public should be cautious about investing in equity and equity funds.

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< p > the lack of confidence in the stock market has also led many fund managers to choose to reduce their positions. Most fund managers remain cautious about the market outlook.

A share market trend is expected to be relatively stable, and future market opportunities will appear in the structural market.

Financial planners suggest that people pay close attention to index funds, such as Shanghai and Shenzhen 300, China Securities 500 and other funds.

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< p > for Xu Zheng, a bond fund in the past half year, the high yield can not be sustained.

Data show that, in the past six months, the annual yield of bond funds reached 10%, which was widely sought by investors in the market.

In the short term, the recent bond market turmoil will affect the future earnings of the bond market. Many bond investments will have the pressure of sell-off. Most of the selling targets are bonds with relatively high leverage and poor credit ratings, which will lead to fluctuations in the bond market.

In the long run, because the stock market is negatively related to the bond market, the bond market is worth investing in the long run due to limited stock market opportunities.

To this end, even if the bond fund's high yield no longer, but the exclusive stability of the debt basis is still a good investment type.

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< p > strong > foreign exchange < /strong > < /p >

< p > < strong > this year we can pay more attention to < /strong > < /p >.

< p > strong > Australian dollar and Canadian dollar < /strong > /p >

< p > recently, except for the Japanese yen's jump and jump, the main foreign exchange markets are not good enough.

In particular, the euro dollar, mainly Euro CHF, fell into narrow range after last week's sharp shock.

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< p > the biggest source of news in the day comes from the weakness of China's PM I data, which is much weaker than expected.

As for China's economic prospects, I remain cautious in general. The pulling effect of class QE has been obviously exhausted, and there will be more risk exposure in the future.

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The P US dollar index is temporarily under pressure at the 83 integer pass, and the sharp fall in the US dollar against the yen is one of the important factors that the US dollar index can not go higher.

It is difficult to see clear directions in technical graphics, and then wait for effective breakthroughs to choose short or more secure directions.

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< p > in the long run, the US dollar will go up and the investment opportunities of the market will not be very large.

This year, we can pay more attention to the Australian dollar and Canadian dollar. These two currencies have strong commodity attributes and are closely related to international commodities.

In the near future, gold and oil plummeted, and there is still room for further downtrend. Gold is bearish to 1000. For this reason, the Australian dollar and Canadian dollar have the opportunity to short or absorb money. Investors are advised to take note of these downside opportunities.

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