Economy--Financial management--Foundation of bank finance

Foundation of Bank Finance

　　　

Medium and low risk can buy bank finance.

1, basic article risk, income, term.

2, how to buy the operation of the film? How to compare?

3. Skill Slice

Risk, liquidity, profitability

"Product Description said"

1. The risk is there

Financial Pyramid, we have two indicators to see,

Banks can also lose money.

Risk rating

Bank finance will divide the risk into R1 to R5 5 levels. The lower the level, the less risk.

Scope of investment

That's where our money is invested, and that's where the risk is directly seen.

The bank market, the borrowing market, the money market, the risk is small

Trust plans, stocks, gold, risk.

Look at the investment ratio .

1, high yield must be good

Expected yield 5% 6%, annual rate of return

Is the return type capital protected? Guaranteed Income?

Bank-protected products will become less

The structure (PEG index) is a 90-day product.

Then why does the structured product not reach the expected rate of return?????

It is not expected that the higher the yield the better. It depends on where he invests.

Capital preservation, the product specification is written to protect 90%~~~ people!

In 2014, bank financing was not achieved at the expected rate of return.

Structured products are calculated according to the maximization of benefits.

The general idea of structured finance: part of the money put in a safe place, a small part of the big gains, finally save Ben-----

A more optimistic state.

3. There is a "fishy" in the term

When will the money be taken out of the 42-day period, and when will it be given to me?

Is it really 42 days? In general, it is not so short.

The subscription period and raise, my money is only the interest of the demand deposit, and the waste period has interest? Estimate No.

The fund has a one-month to three-month fundraising period.

There was something fishy about the deadline.

Economy--Financial management--Foundation of bank finance