Financial Experts Support The End Of The Year Financial Management Package, This Is The Rhythm Of Money Grab.

Near the end of the year, Christmas, new year's day, Spring Festival...

One holiday after another, how can we increase revenue and reduce expenditure in the next two months or even create new value in the cash flow? Financial experts give you a few tips to get your money and credit card points moving.

"Double 12" is over, but there are still some problems behind the "double 12".

If you are using credit card online shopping, if you are not satisfied with the seller's application for return after receiving the goods, the refund to the credit card before the repayment date may not be able to meet the repayment amount of the month.

Recently, reporters learned from a credit card center of a bank that the sales promotion activities of the electronic business platform were frequent recently. Many cardholders used credit card payment in the process of online shopping. They were not satisfied with the refund and thought that the refund could be regarded as repayment.

The bank said that the refund of the credit card account can not be regarded as the repayment of the current period. It can only be credited to the next bill, which reminds the cardholder to pay special attention to this problem when using credit card refund.

Recently, the stock market has been gradually warming. Some investors have gradually relaxed their vigilance. They think the stock market has said goodbye to the overfall mode in the previous few months, thus increasing the amount of capital invested in the market.

However, the risk of the stock market is still not to be underestimated. There is a possibility of a ship turning at any time.

Sometimes stocks are like boiled water frogs. They feel comfortable at the beginning, but the stock price suddenly falls down continuously, just as the water is burned and it is too late to react.

Therefore, investors should control the proportion of market capital and avoid investing most of the funds.

In recent years,

There are more and more platforms, and the wealth management products launched are also multifarious, and the returns are generally higher than those of traditional financial products.

For investors, selecting financial platform is more important than selecting products.

If the platform is set up for a relatively short time, there is no background or any background, and the financial strength is not strong, such platforms should be careful. Even if it is not illegal fund-raising, the possibility of overdue projects and cash withdrawals will increase greatly.

The new round of cooling has made everyone feel that the end of the year is very close.

Generally speaking, the end of the year is a good time to manage finances, but this year's situation is quite different from previous years.

The central bank's continuous "double down", whether it is financial products or internet financial products, can not escape the fate of the overall decline in revenue.

According to Wang Yingyu, customer manager of China World Trade Center branch of Haikou branch of ICBC, as the end of the year approached many customers, there was no holiday exclusive financial product.

"The psychology of customers is obvious: there are many places to spend money at the end of the year, but buying some financial products may bring benefits in the new year.

It can also be used to send red packets to the younger generation.

Of course, Wang Yingyu also said that this year's big environment is different. The earnings of bank financial products can not be compared with that of more than 5% of the same period last year. "More than 4.5% is good."

Another financial manager of a joint-stock bank told reporters that at the end of the year, banks would sell some exclusive financial products of festivals, with a slightly higher yield than the daily financial products.

Although the market interest rate has dropped too fast this year, high interest rate financial products are hard to reproduce. However, some banks will launch holiday exclusive financial products around New Year's day or around the Spring Festival. Investors can pay more attention to it.

With the arrival of the end of the year, financial managers have been busy summarizing the revenue geometry of the year.

The revenue has already reached the plan, though it also wants to make more money in the last month, and has not yet completed the expected revenue, and even more wants to seize the last financial opportunity.

When the reporter talked about this topic, he found that another group had another point of view. Making money is endless. It is safer to pack for safety than to pursue high yield.

At this time in previous years, due to tight funds, bank financing often appeared "tail" market.

However, this year, after many times of interest reduction, I am afraid it will be difficult to see such a good thing.

Mr. Huo, a financial manager, said that because of the declining interest rates and high yield financial products, we must not be too excited. "Pie" or "trap" needs to be carefully identified.

However, many banks will launch holiday exclusive financial products around New Year's day or around the Spring Festival. The earnings will be slightly higher than the daily financial products, and investors can pay more attention to it.

The latest round of the end of October

After that, interest rates on bank deposits dropped to new lows. The one-year deposit benchmark interest rate was only 1.5%. In the face of negligible interest rates, some depositors began to take risks and easily believe in the arguments of fund brokers and fall into the trap of "discount deposits".

Recently, there have been frequent incidents of disappearing or unfulfilled bank deposits, most of which are caused by discount deposits.

As you know, any discount deposit is illegal. If you want to get a higher return, you can try other financial products.

In December, the yield of the balance treasure has been rising. The annual yield of most "baby products" has returned to over 3%.

P2P net loan has always been a high-risk industry. Due to the lack of regulatory measures, the industry will be mixed up. By the end of the year, some platforms will face greater financial pressure and the number of problem platforms will also increase. Once donations are made, investors may lose their jobs.

On the other hand, many platforms will often introduce various interest rate raising activities at the end of the year. For some platforms with strong background, investors can make a small profit. But for those platforms with many problems, how much money should be paid, or the safety of funds should be given priority.