Cancel The Ceiling Of Deposit Interest Rate And How To Invest In Finance?

In the evening before the "frost descend" in 2015, the central bank announced that interest rates and deposit rates were "double down".

This is a long-awaited signal in the financial market.

But what is different from the past is that this announcement is more important: cancel the ceiling of deposit interest rate.

If the fierce market pformation really takes place, the richer the group is, the stronger the ability to evade risks. Therefore, ordinary middle-income people can not hope that the state or a specific regulatory body will be responsible for individual investment behavior.

In the tide of marketization reform with mud and sand, what we really need to do is to polish our eyes, distinguish and identify trustworthy institutions, and take responsibility for our investment behavior.

Theoretically, after the "double down" of the central bank, it is possible to produce a bank product like the balance treasure, which pays more interest to users than traditional banks.

After all, about 90% of the money that we kept in the balance treasure was eventually put into the bank by the fund company.

In the United States, such products such as balance treasure can not survive without saving money to the IMF and banks.

Foreign financial institutions may hardly imagine that Chinese counterparts will have such a fierce competition in this field.

Ten years ago, I saw the contents of China's financial system reform constantly in teaching materials and papers. The landmark stage of reform is the liberalization of deposit interest rates.

At that time, for a long time, it was hard to achieve. I didn't think that after only ten years, the rules were basically realized.

If you just want to keep a safe old age pension, this is already very obvious.

In the trend of the channel, we should pay attention to the large deposit receipts which are not very high but will only be lower in the future.

These details are valuable, but if we can match the deposit interest rate to liberate this symbolic node, it should be a middle-income group who has enjoyed the dividend of economic growth for a long time. Can we really take the responsibility for ourselves?

From a small point of view, responsibility is acceptable.

There is a reality that there may be money in return.

In the past year, we have seen a lot of investors whose interests are damaged. Some of them have encountered almost fraudulent financial small businesses, some from illegal institutions such as banks.

Now their general idea is that the government and regulators should take the responsibility to make up for their losses.

We always criticised the disadvantages of the government, but

The establishment is not that the sky will drop an invisible finger to guide you.

The perfect mechanism needs the joint efforts of various organizations and individuals.

From this perspective, it is obviously not realistic to want the government to shoulder too much responsibility for its investment behavior.

Scrutinize some investors who have no money at all, do they really believe that any one institution can give a risk free super high yield, or do they really believe that they can buy the same private housing product with the same risk and higher income from the employees of formal financial institutions?

It is of little significance to study the tricky stuff. There are still many people and institutions who need baptism in the market.

But now that we have come to a freer financial market, we can no longer expect the government to go all the way to protect it.