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unspoken rules, as opposed to \As the name suggests, are those who are invisible, but expressly does not require but is widely recognized, the actual work, people in certain areas to \More to say, the unspoken rules has the following features:
First of all, the unspoken rules is a rule. But it in specific areas, specific population work, is not known to the public. That being the case, the unspoken rules of behavior and phenomena occur on not the case (or unique trap), but with a certain degree of universality.
Second, the unspoken rules is different from other rules of the place is opaque, the internal one knows, but outsiders do not know. Obviously, this opacity caused by the asymmetry of information, but when information asymmetry is very prone to adverse selection and moral hazard.
again, the unspoken rules is the objective of maximizing the interests of insiders, so the goal is usually accompanied by expense of others, harm the interests of external happening.
community, greet the public eye a lot of unspoken rules, such as the entertainment director and actress were unspoken rules among some shady college entrance process, many restaurants on the corkage requirements major milk companies are tacitly added melamine, supermarkets charge slotting allowance to the supplier, sponsorship, festivals fees.
, of course, there are some potential areas of investment and financial management rules exist. Such as, some stock of mortgage-bank lending rate, to bundling other financial products; Some institutions recommend stocks man can say \frequent trading of shares on trading commissions; so.
and other aspects of the unspoken rules compared to the potential areas of investment and financial management rules have stated before addition to the common, there are some personality. For example, such hidden rules show some cyclical, good times in the market, investors tend to overlook the existence of hidden rules, underestimation of risk; when the bear comes, all the unspoken rules will be exposed. Again, such rules may give people unaware of the potential losses caused by the main economic losses, and can be measured in monetary units.
reality, investment and financial management involved in diverse categories such as stocks, funds, financial products, collections, etc., which is also a wide variety of potential rules.
of the ordinary investor, how to identify these hidden rules? What should we take the response measures?
one, difficult to understand the \people who read it, you can mount up to know God's mind at least, most people should not even think to see and read will not understand.
now, there are a lot of the mass of financial products (such as insurance, funds, etc.) also as the bible description, as difficult and unpredictable, and most people are watching do not understand.
Not long ago, Ms. Lee received a financial products banks leaflets, the above sentence impressed her: \%. \This is where the product prospectus, clearly is heavenly Well! \And when you get the full product description, the only limitations found in a lot of variety. If you have not learned the financial professional, you would not understand the argument that these limitations are what. Not long ago, a website to do a banking financial satisfaction survey, (...) , 9 percent respondents think there specification bank financial products trick, not read and so on.
this \It is said that a female entertainment star suffered heavy losses, reason is that being a large bank of \
terms of insurance contracts is even more obscure is a long time, it also directly led to financial difficulties, customer complaints and more problems, last year's \.
\\
In fact, the insurance provisions are very strict legal language used to describe, the lawyer gives no patience to watch ordinary people even to read. After speaking for an ordinary consumer, want to read the insurance terms, is quite a mammoth project. Even if you are determined to sit in teahouses, dizziness to fancy an afternoon, you may still not know the terms in the end talking about. When buying big dangerous, in terms of a detailed description of certain diseases and to what extent, if you do not Medical graduates, will not understand what the symptoms mean. Therefore, the incomprehensible terms lead to you while the signature, and it can not really understand the products you buy what in the end, until the dangerous condition or exclusions of time, became aware of the provision is so prescribed.
Miss Zhang told the media complaints, his uncle in the shop due to an accident occurs, leading to the loss most of his left hand function. Although he bought the insurance, but also that access to compensation for medical expenses, but the insurance company has a \This terminology complicate not only difficult to understand for consumers, but also to understand the ambiguity resulted. Understanding by consumers, functional loss of 2 / 3, fully claim to be a high degree of disability, but the insurance companies are of a different interpretation. Difficulties such as the bible insurance terms, which to some intention to create \
popularization policy issues, regulatory bodies have also been advocated, but it seems not obvious to implement. One of the most important reason is that insurance policy involves a number of terms, must be very strict, very professional language to describe. If not described, may occur in future insurance disputes, interpretation of more ambiguous terms, claims more difficult.
We believe that the banks or insurance companies would not be so \
First of all, for the present, to have to buy insurance, such as large dams, life insurance, consumers can only ask. Questions focused on two aspects of this product in the end is what insurance will pay nothing; second, under what circumstances will not lose. The two main problems clear up, the product will have a relatively clear understanding.
Second, for those who are called terms of high yield complex financial products, can be as detailed as possible to the bank to ask the staff there may be risks. If you can not get a relatively clear answer, cash is king in the era, they can not do anything before.
2, posing
\
Today, this theory in the field of investment and financial management has become more and more accurate, structured deposits are not deposits, mini-bonds are not bonds. Once you consider the issue according to conventional thinking that the white horse is a horse, then, is likely to suffer losses of several hundred thousand dollars, and even lost their capital.
we see the names of financial products, perhaps only in order to achieve better publicity, but actually you are familiar with the deposits, bonds and so very different. To take a seemingly popular product name, so that investors accept, if there are problems, but also the text for the contract exemption, many financial institutions is a common follow the unspoken rules.
so-called structured deposits, is the bank for sale to individual foreign exchange deposits in general on the basis of certain embedded derivatives (mainly all kinds of Options), with interest rates, exchange rate, index linked the fluctuations or with an entity linked to the credit situation, so that the depositors bear some risk for higher returns based on foreign exchange deposits. Read this definition, we know, structural deposits, does not mean a deposit, which is equivalent to foreign exchange deposits with a combination of financial derivatives. Compared with deposits, structured deposits may be higher than the deposit interest income, naturally, to take more risks.
we look at the HSBC launched the \According to the interpretation of HSBC website, double interest and foreign currency deposits linked to the special time deposits, receive periodic interest and premium income. In other words, is essentially a two-interest deposits, time deposits plus foreign currency options. Clearly, the product compared with the deposits, yields may be higher than the deposit rate, but lost the characteristics of deposit insurance, must bear a higher risk.
Fang is HSBC's VIP customers. July 18, 2008, account executive Miss Zhang Fang's investment under the intention to recommend to its \million dollars of investment products purchased this. Did not expect a month, due to exchange rate movements, so he lost more than 30 million yuan. But until then, Mr. Fang did not know the original \Subsequently, Mr. Fang to HSBC to court.
As for the sales process, HSBC is doing to the risk warning obligation Fang is familiar with the product after the signature, and in which the two sides should take responsibility for what we do not want to go to a closer look, I believe Finally the law will make a fair ruling.
here to explore is the name of the product. Obviously, time deposits and foreign exchange options products together, then \risk. This naming, indeed suspected of posing.
As for the mini-bonds, there is also a misleading product name, it is not low risk, low-yielding bonds, but the name of \Over the past 2008 years, is it so many tears for Hong Kong investors.
slightly investment common sense knows that the bond is a low risk, low-income investments. If you have such a bond in front of you, the interest rate slightly higher than bank deposits, while the sales staff asked you \Many investors are tempted, and also the hard-earned money into the cast, but the final outcome is very likely lost their capital.
that mini-bonds in the end what is it? It is registered in the Cayman Islands, the Pacific International Finance Corporation is the issuer, to Lehman Brothers Asia Limited as arranger to the special financial companies Lehman swap counterparty to Lehman holding company for the swap transaction security people, for retail investors, a series of credit linked notes issued by the sum. Its nature is a kind of structured debt instruments.
information posted on the Hong Kong Securities and Futures Commission, as of September 30, 2008, the Hong Kong market and the Lehman-related sale of the outstanding amount of unlisted retail structured notes about 15.643 billion Hong Kong dollars, representing the Hong Kong market All outstanding non-listed the total amount of retail structured products (about 83.17 billion Hong Kong dollar) 18.8%, and investors more than 4 million people, product distributors, including three securities companies and 21 banks. In addition, the mini-bonds in China Taiwan, Macau, Singapore is also selling.
Hong Kong Lehman Brothers event, starting at the Bank of China, Bank of East Asia, Citibank and other 20 banks in the sale and Lehman Brothers-related structured products, process, allegedly made to some Hong Kong investors misrepresentation, or can not afford to high-risk investors to sell, so some investors that Lehman mini-bonds and general bonds are low risk investment.
2008 年 9 months, the Lehman Brothers bankruptcy in the financial tsunami, so that people lose the mini-bonds swap counterparty (Lehman), resulting in the termination of such products and are required to open the direct consequence is to sell collateralized debt obligations, to repay investors. As the prices of collateralized debt obligations seriously diminished because of the financial crisis, Lehman mini-bond investors also have to face the huge risk of loss.
, of course, posing as financial products are few, but the problem is, even posing as a small number of products, can investors once the words too literally, it is very likely suffered heavy losses. Ordinary investors, how to distinguish between white horse is a horse, white horse which is not a horse?
First of all, follow the principle of non-cooked do not enter. Especially for large sums of money for investment before the investment must be a comprehensive understanding of objects, first want to figure out the investment project or product, and then into the next part, do not relying on hearsay, or jealous of other people make money on the blind investment .
Second, be sure to carefully read the instructions, do not just listen to the words sales or promotional materials only to see, go to investment. For example, while some fund sales staff will tell investors, \mistakenly believe that the Fund will vote the same as with the fixed deposit no investment risk.
Finally, they do not understand things, especially related products have not read the product description, it has to look around knowledgeable expert advice. If you know the people around them do not understand it, at least access to the Internet search on the product and see how the investment in people, said there is no negative news, then do not later than assertive
Third, no Lee can not afford early
the saying goes, \
investors access to financial services, listen to other people's opinions, or plan to buy financial products, it shall think about this statement is true for the other people's suggestions Hello, it is only looking at your wallet?
in the economic society, most people first consider the maximization of their own interests are, it's nothing wrong. If both sides can benefit increase, we need not care when others have a small 99 hearts, but if people only consider their own interests, and whether you pay is earned, it must remain in mind of.
for many financial products, sales and financial planner, the \They seek to maximize commission income, the target profit objective with investors, after all, different. However, for those who see it as Huo Leifeng of investors, \risk, and not by some financial \
Recently, Mr. Wang daily recommended shares according to a brokerage trading stocks. However, this operation for some time, he found that planing to transaction costs, he did not make money. \
In fact, many investors such as Mr. Wang brokers are convinced, however, they have not thought of brokers recommended stocks there are unwritten rules. Some industry sources, \Union. As for the stocks recommended by the 'quality' is to take care of it depends on short-term interest broker, or to take care of long-term interests of the. \has risen a few days. Therefore, the individual then set at a relatively high price and more. At this point, organizations complete a wave of speculation about the order out.
investors know the unspoken rules of which, it is not hard to understand in the broader market plunged last year, when the broker also been recommended to buy stocks, but not to recommend which stocks at risk, recommended investors sell; while ago period of time the stock market in the \\Many third-party financial institutions
financial Normal have declared that \: \to the full from the customer's interests. \In fact, third-party financial institutions to earn a profit based on objectives, financial planner these institutions can not escape the temptation of high returns, but tend to recommend higher commission products.
example, insurance products, commissions higher compared to other financial products, particularly in life insurance products, with annual premium payment mode, the longer pay the higher commission, its first year commission up to 35%, next year can get 15% return. In comparison, the fund product was only about 1% rebate. Therefore, many financial planner are used to check whether investors have full insurance, hoping customers to operate annual contribution. But this can not but say that is closely related with its vital interests.
often said, \interests.
income housing prices in large and medium cities in China than has been generally more than 10 times, Gao Jiafang has become the accumulation of financial risks, and affect social harmony, reduce the consumption potential of grassroots people's negative factors, has chosen to keep some scholars as high Rates defense. Clearly put pressure on RMB appreciation is one of the U.S. government's policy in holding large amounts of RMB assets in Europe and the United States financial institutions, economists working for the appreciation of the policy is singing the praises of one-sided.
investor without hesitation, according to these experts, scholars, policy ideas and proposals that are likely to play into the hands of others the middle, and finally had to bear the loss themselves.
then we tell other people how to make the investment financial advice, is really good for themselves, or stand in the position of people thinking the problem?
The first is \Do not repeat what others say, hear what to believe, Xiangyebuxiang immediately to make investment decisions. In fact, it sounds an impassioned point of view, not necessarily to their advantage. The so-called expert's view may not necessarily correct and comprehensive. Therefore, we must listen, do not rush to make decisions.
followed by \Before making investment decisions, the brain must first look over, integrated view more parties to determine side right or wrong, is not gullible, not blind obedience.
Finally, \Ordinary investors only to upgrade their knowledge in finance and investment quality, can effectively link their own circumstances and financial goals, the views of others and investment recommendations as appropriate judgments.
Fourth, the financial system tying
real life, we often encounter a variety of tying behavior.
for example, buy a house, (...) , you must accept the designation of the property developer companies, their pay property charges, according to the provisions of the Commission only after the establishment owners are likely to change the property, but had the quality of service irrespective of property, you only unconditional acceptance. Another example, fixed telephone, broadband Internet access service launched, was asked operators to buy a phone at the designated locations.
tying all of the acts with some mandatory, the seller by tying up the purpose of enhancing business performance, regardless of whether the buyer is willing to, whether the value of its bundled product. Although the \.
investment and financial management in the field is no exception. Some financial institutions to use their strong position, (...) , the tying mandatory financial products to customers, regardless of whether the customers need. The start, tying may only individual institutions, but later, many institutions are involved. Thus, (...) , the tying of financial products has become a kind of tacit unwritten rules.
Recently, a number of banks to the stock of mortgage-tying credit cards, insurance and other financial products, is a very typical example.
2008 年 10 22, Bank of China announced that from October 27 onwards, commercial individual housing loans to lower interest rates, expanded to 0.7 times the benchmark lending rate. In other words, qualified personal mortgage rates hit 7 fold. New Deal 7 off the mortgage on October 27, 2008 and beyond to customers who buy a house, the effect is self-evident. However, before the time the mortgage process (ie the stock of mortgage) of the clients, the specific implementation of the different banks: from January 2009, some began to adjust interest rates, while others set more stringent conditions even invariably took the opportunity to bundle other financial products.
we look at the mortgage off to play 7 savings for mortgage-interest payments. 300,000 yuan to the mortgage balance due, loan term is 20 years, home buyers pay 0.85 times the benchmark interest rate at the time, to pay interest on 302,900 yuan (5.94% × 0.85 × 20 × 30 万元 = 302,900 yuan), if in accordance with the benchmark discount rate of 7 basis, the interest paid by buyers of about 249,400 yuan (5.94% × 0.7 × 20 × 30 万元 = 249,400 yuan), compared to 7 fold between the two interest rates for home buyers to save 53,500 yuan in interest.
Clearly, mortgage-interest savings is to reduce bank interest income. The stock of a bank issuing more mortgages, thus reducing the more interest income. This is a lot of banks to the stock of mortgage-holders to set more stringent eligibility criteria, and even forced the main reason for bundling other financial products.
example, a commercial bank offers preferential rates for the stock of mortgage-holders to provide copies of the following five documents: first, to prove the first set of housing; second, to prove that ordinary owner-occupied, 140 sq m can be regarded as general self-occupied; third, to prove that within the past two years, no bad credit record, that no two consecutive months, the money owed to banks; the fourth, but also that the balance now owe the bank money 40 million or above are eligible for the discount; fifth, also need to provide a marriage certificate to prove that a married state.
some banks to the stock of mortgage-bundling other financial products, it is diverse. Below, we list several.
(1) first deposit into a VIP customer. Some time ago, Mr. Chung to the stock of a joint-stock commercial banks for mortgage rates discount. Bank staff told him the bank Platinum Member to enjoy discount lending rate 7. Non-Platinum Card member, you must first deposit amount of cash to apply: If the 200,000 yuan deposit 1 month, or 100,000 yuan deposit for six months, or 50,000 yuan deposit a mortgage 7 years to enjoy the discount. In this regard, he was quite puzzled, if the hands have so many spare cash, he might as well direct early repayment. In the end, he just enjoy the mortgage interest rate is 8 discount.
(2) first apply for credit cards. Ms. Lin bought a house two years ago, a large state-owned bank loans to more than 20 million. In accordance with the provisions of the line, VIP customers can enjoy the 7 qualified discount rate discount. But a few days before going to the bank network application, the staff told her to do before they can apply for credit cards.
(3) must be accompanied by consignment of the funds to buy banks, insurance and other products. To Mr Lee's experience, for example, mortgage interest rates for 7 in his discount, he was forced to buy the 5-year dividend risk (1000 yuan / year) and 3 months investment fund set (200 yuan / month).
fact, tying for the behavior of these banks, the stock of most mortgage-holders have no alternative, after all, \Of course, these customers can \Need to apply for refinancing savings in interest payments compared with transfer of mortgage fees and other costs, and then make a decision.
In addition, mortgage-holders can look forward to regulatory authorities or industry associations to regulate the behavior of bank tie-ins. Not long ago, the China Banking Association issued a document to prohibit the banks to implement interest rate discount off the machine 7, bundled financial products to customers. Of course, such industry standards can actually play a role, will appear \
5, Bulls and were favorable and were
for ordinary investors, the lack of specialized financial knowledge, so many people like to listen to the so-called expert investment advice, or even directly money entrusted to someone else to care for, such as a fund for private equity fund managers on behalf of investment.
because they do not understand, so 100% belief that financial experts, investors never thought of that, those experts may have their own rules of profit potential, not that you lose money, and experts will follow lose money.
is the so-called \Whether a cow is a bear capital market, financial experts and institutions who can earn a round bowl full of pots, and gained world renown. As the agent funds compensation is earned, it becomes less important. This is the insiders familiar with the potential investor has no knowledge of the rules.
number of shares under the banner name of recommended securities consulting firm, most of the development of go like this track: In the beginning, (...) , four letter circulated investment advice. Suppose first issued 1000, of which more than 500 to see the other 500 look empty, with the result there will be 500 is correct. Then, back to the 500 investment proposals to send the letter, of course, to see to look at the half empty. So again, he will eventually win over the live part of the investors. With the fixed-income customers and consultation, you can compile the book, lectures and sale of software. With the increase of influence, control and influence the size of funds has gradually expanded.
in its development process, if you are just amazed at the advisory body on several occasions the \Investors see the possibility of more institutions and experts who advice the right side, while the forecast errors can not see their experience (of course, they always external propaganda is the recommended pulling a stock with a few daily limit, and not tell you how much stock quilt).
listen to recommendations of advisory bodies recommended stocks, investors will not actually increase the probability of success much. However, the advisory bodies and experts, the share of ups and downs recommended simply not important, it is important that they have to want to make their own membership fees into the pockets.
many investors buy fund will list reference to the Fund to make a choice, tend to believe that those who regularly top the charts in the fund must be a good fund. If you do not add analysis, did not hesitate to put money into those \
Some fund companies for long-term rating on the \For example, in fund of funds team management, select the one allowed to always maintain a high equity position, while another fund to maintain low stock positions, so that both the market fell and rose, its bound to have a fund to performance rating lead.
In addition, the differentiation of style can do, such as broader market, small cap, growth, value. Also for the differentiation of investment strategies: passive, active, protect the other. Part of the team through such practices, so regardless of future market conditions evolve, there's always a good fund performance, and become the second year the main marketing push in the direction of the team.
and seasoned individual fund industry, by prior arrangement in the product line, followed by differentiation strategy in style, playing with the very familiar way, the management of the fund portfolio, just like an octopus general market conditions in all possible types are risking the \
However, the investors if it is only under the list on the \high investment risk.
Next, we say that private equity funds. Many investors believe that private equity fund flexible, high-yield, together with All kinds of rumors about the magic of private equity funds, they are willing to give it to the hands of private equity fund managers. As everyone knows there are of course private equity power to make money with you, but its profit model determines not to lose money when the private equity fund managers can help you stop in time.
income of private equity fund managers there are two categories: one is the management fee. Fund net asset value of the fund each year, draw a certain percentage of management fees, as the management of the daily operating expenses and personnel expenses. The other is income incentives. When the Fund's net assets and cash dividend yield rate of return more than one agreement index, the fund should be provision for a certain percentage of the total cash dividends, awarded to fund managers.
That is, when the bull market, private equity is the major share of proceeds earned; bear market when the private equity fund management fee income can have.
above these are the rules of trust management's earnings potential. In recognition of these investors, the financial management is entrusted to, or in person manipulator, we need to do careful consideration. Even if the trust management model is chosen, should have a judge, the real situation on the commission a detailed understanding.
VI, trust management of moral hazard
trust management is more common in our lives, after all, not everyone has enough reserves to take care of time and wealth of knowledge.
in an era of social division of labor is getting smaller, so an expert to do professional things, should help to improve the efficiency of resource allocation and achieve win-win situation.
However, there is trust management expertise in the possession of both sides in varying degrees, have the problem of asymmetric information, the consignee is vulnerable to selfish moral hazard.
get funds, fund investment trust management is a typical way. Investors to put money to fund managers to invest, operate well, investors get income, fund management fee income received. But the fund, after all, is in operation, and his specific investors every transaction is clear, that is, their information is asymmetric.
, the fund manager is likely to rank a fund or fund company as a whole at the expense of the other interests of fund investors; also possible for their own selfish interests, the establishment of Rat,
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1、 新奥尔良爵士（New Orleans (...) Jazz）和芝加哥爵士（Chicago (...) Dixieland Jazz Band）
查尔斯?博尔顿（Charles (...) Roll (...) (...) (...) Armstrong，1901～1971，歌手, http://www.fivefingerstore.com/ ，擅长乐器：小号）
比克斯?贝德白克（Bix (...) (...) Ory，1886～1973，擅长乐器：长号）
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奈特?金?科尔（Nat King Cole，1919～1965 ，歌手，擅长乐器：钢琴）
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查尔斯?明戈斯（Charles Mingus，1922～1979，作曲家，擅长乐器：贝司）
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巴顿?鲍威尔（Baden Powell，擅长乐器：吉他） 7、 融合爵士（Fusion Jazz）
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Second, the unspoken rules is different from other rules of the place is opaque, the internal one knows, but outsiders do not know. Obviously, this opacity caused by the asymmetry of information, but when information asymmetry is very prone to adverse selection and moral hazard.
again, the unspoken rules is the objective of maximizing the interests of insiders, so the goal is usually accompanied by expense of others, harm the interests of external happening.
community, greet the public eye a lot of unspoken rules, such as the entertainment director and actress were unspoken rules among some shady college entrance process, many restaurants on the corkage requirements major milk companies are tacitly added melamine, supermarkets charge slotting allowance to the supplier, sponsorship, festivals fees.
, of course, there are some potential areas of investment and financial management rules exist. Such as, some stock of mortgage-bank lending rate, to bundling other financial products; Some institutions recommend stocks man can say \frequent trading of shares on trading commissions; so.
and other aspects of the unspoken rules compared to the potential areas of investment and financial management rules have stated before addition to the common, there are some personality. For example, such hidden rules show some cyclical, good times in the market, investors tend to overlook the existence of hidden rules, underestimation of risk; when the bear comes, all the unspoken rules will be exposed. Again, such rules may give people unaware of the potential losses caused by the main economic losses, and can be measured in monetary units.
reality, investment and financial management involved in diverse categories such as stocks, funds, financial products, collections, etc., which is also a wide variety of potential rules.
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one, difficult to understand the \people who read it, you can mount up to know God's mind at least, most people should not even think to see and read will not understand.
now, there are a lot of the mass of financial products (such as insurance, funds, etc.) also as the bible description, as difficult and unpredictable, and most people are watching do not understand.
Not long ago, Ms. Lee received a financial products banks leaflets, the above sentence impressed her: \%. \This is where the product prospectus, clearly is heavenly Well! \And when you get the full product description, the only limitations found in a lot of variety. If you have not learned the financial professional, you would not understand the argument that these limitations are what. Not long ago, a website to do a banking financial satisfaction survey, (...) , 9 percent respondents think there specification bank financial products trick, not read and so on.
this \It is said that a female entertainment star suffered heavy losses, reason is that being a large bank of \
terms of insurance contracts is even more obscure is a long time, it also directly led to financial difficulties, customer complaints and more problems, last year's \.
\\
In fact, the insurance provisions are very strict legal language used to describe, the lawyer gives no patience to watch ordinary people even to read. After speaking for an ordinary consumer, want to read the insurance terms, is quite a mammoth project. Even if you are determined to sit in teahouses, dizziness to fancy an afternoon, you may still not know the terms in the end talking about. When buying big dangerous, in terms of a detailed description of certain diseases and to what extent, if you do not Medical graduates, will not understand what the symptoms mean. Therefore, the incomprehensible terms lead to you while the signature, and it can not really understand the products you buy what in the end, until the dangerous condition or exclusions of time, became aware of the provision is so prescribed.
Miss Zhang told the media complaints, his uncle in the shop due to an accident occurs, leading to the loss most of his left hand function. Although he bought the insurance, but also that access to compensation for medical expenses, but the insurance company has a \This terminology complicate not only difficult to understand for consumers, but also to understand the ambiguity resulted. Understanding by consumers, functional loss of 2 / 3, fully claim to be a high degree of disability, but the insurance companies are of a different interpretation. Difficulties such as the bible insurance terms, which to some intention to create \
popularization policy issues, regulatory bodies have also been advocated, but it seems not obvious to implement. One of the most important reason is that insurance policy involves a number of terms, must be very strict, very professional language to describe. If not described, may occur in future insurance disputes, interpretation of more ambiguous terms, claims more difficult.
We believe that the banks or insurance companies would not be so \
First of all, for the present, to have to buy insurance, such as large dams, life insurance, consumers can only ask. Questions focused on two aspects of this product in the end is what insurance will pay nothing; second, under what circumstances will not lose. The two main problems clear up, the product will have a relatively clear understanding.
Second, for those who are called terms of high yield complex financial products, can be as detailed as possible to the bank to ask the staff there may be risks. If you can not get a relatively clear answer, cash is king in the era, they can not do anything before.
2, posing
\
Today, this theory in the field of investment and financial management has become more and more accurate, structured deposits are not deposits, mini-bonds are not bonds. Once you consider the issue according to conventional thinking that the white horse is a horse, then, is likely to suffer losses of several hundred thousand dollars, and even lost their capital.
we see the names of financial products, perhaps only in order to achieve better publicity, but actually you are familiar with the deposits, bonds and so very different. To take a seemingly popular product name, so that investors accept, if there are problems, but also the text for the contract exemption, many financial institutions is a common follow the unspoken rules.
so-called structured deposits, is the bank for sale to individual foreign exchange deposits in general on the basis of certain embedded derivatives (mainly all kinds of Options), with interest rates, exchange rate, index linked the fluctuations or with an entity linked to the credit situation, so that the depositors bear some risk for higher returns based on foreign exchange deposits. Read this definition, we know, structural deposits, does not mean a deposit, which is equivalent to foreign exchange deposits with a combination of financial derivatives. Compared with deposits, structured deposits may be higher than the deposit interest income, naturally, to take more risks.
we look at the HSBC launched the \According to the interpretation of HSBC website, double interest and foreign currency deposits linked to the special time deposits, receive periodic interest and premium income. In other words, is essentially a two-interest deposits, time deposits plus foreign currency options. Clearly, the product compared with the deposits, yields may be higher than the deposit rate, but lost the characteristics of deposit insurance, must bear a higher risk.
Fang is HSBC's VIP customers. July 18, 2008, account executive Miss Zhang Fang's investment under the intention to recommend to its \million dollars of investment products purchased this. Did not expect a month, due to exchange rate movements, so he lost more than 30 million yuan. But until then, Mr. Fang did not know the original \Subsequently, Mr. Fang to HSBC to court.
As for the sales process, HSBC is doing to the risk warning obligation Fang is familiar with the product after the signature, and in which the two sides should take responsibility for what we do not want to go to a closer look, I believe Finally the law will make a fair ruling.
here to explore is the name of the product. Obviously, time deposits and foreign exchange options products together, then \risk. This naming, indeed suspected of posing.
As for the mini-bonds, there is also a misleading product name, it is not low risk, low-yielding bonds, but the name of \Over the past 2008 years, is it so many tears for Hong Kong investors.
slightly investment common sense knows that the bond is a low risk, low-income investments. If you have such a bond in front of you, the interest rate slightly higher than bank deposits, while the sales staff asked you \Many investors are tempted, and also the hard-earned money into the cast, but the final outcome is very likely lost their capital.
that mini-bonds in the end what is it? It is registered in the Cayman Islands, the Pacific International Finance Corporation is the issuer, to Lehman Brothers Asia Limited as arranger to the special financial companies Lehman swap counterparty to Lehman holding company for the swap transaction security people, for retail investors, a series of credit linked notes issued by the sum. Its nature is a kind of structured debt instruments.
information posted on the Hong Kong Securities and Futures Commission, as of September 30, 2008, the Hong Kong market and the Lehman-related sale of the outstanding amount of unlisted retail structured notes about 15.643 billion Hong Kong dollars, representing the Hong Kong market All outstanding non-listed the total amount of retail structured products (about 83.17 billion Hong Kong dollar) 18.8%, and investors more than 4 million people, product distributors, including three securities companies and 21 banks. In addition, the mini-bonds in China Taiwan, Macau, Singapore is also selling.
Hong Kong Lehman Brothers event, starting at the Bank of China, Bank of East Asia, Citibank and other 20 banks in the sale and Lehman Brothers-related structured products, process, allegedly made to some Hong Kong investors misrepresentation, or can not afford to high-risk investors to sell, so some investors that Lehman mini-bonds and general bonds are low risk investment.
2008 年 9 months, the Lehman Brothers bankruptcy in the financial tsunami, so that people lose the mini-bonds swap counterparty (Lehman), resulting in the termination of such products and are required to open the direct consequence is to sell collateralized debt obligations, to repay investors. As the prices of collateralized debt obligations seriously diminished because of the financial crisis, Lehman mini-bond investors also have to face the huge risk of loss.
, of course, posing as financial products are few, but the problem is, even posing as a small number of products, can investors once the words too literally, it is very likely suffered heavy losses. Ordinary investors, how to distinguish between white horse is a horse, white horse which is not a horse?
First of all, follow the principle of non-cooked do not enter. Especially for large sums of money for investment before the investment must be a comprehensive understanding of objects, first want to figure out the investment project or product, and then into the next part, do not relying on hearsay, or jealous of other people make money on the blind investment .
Second, be sure to carefully read the instructions, do not just listen to the words sales or promotional materials only to see, go to investment. For example, while some fund sales staff will tell investors, \mistakenly believe that the Fund will vote the same as with the fixed deposit no investment risk.
Finally, they do not understand things, especially related products have not read the product description, it has to look around knowledgeable expert advice. If you know the people around them do not understand it, at least access to the Internet search on the product and see how the investment in people, said there is no negative news, then do not later than assertive
Third, no Lee can not afford early
the saying goes, \
investors access to financial services, listen to other people's opinions, or plan to buy financial products, it shall think about this statement is true for the other people's suggestions Hello, it is only looking at your wallet?
in the economic society, most people first consider the maximization of their own interests are, it's nothing wrong. If both sides can benefit increase, we need not care when others have a small 99 hearts, but if people only consider their own interests, and whether you pay is earned, it must remain in mind of.
for many financial products, sales and financial planner, the \They seek to maximize commission income, the target profit objective with investors, after all, different. However, for those who see it as Huo Leifeng of investors, \risk, and not by some financial \
Recently, Mr. Wang daily recommended shares according to a brokerage trading stocks. However, this operation for some time, he found that planing to transaction costs, he did not make money. \
In fact, many investors such as Mr. Wang brokers are convinced, however, they have not thought of brokers recommended stocks there are unwritten rules. Some industry sources, \Union. As for the stocks recommended by the 'quality' is to take care of it depends on short-term interest broker, or to take care of long-term interests of the. \has risen a few days. Therefore, the individual then set at a relatively high price and more. At this point, organizations complete a wave of speculation about the order out.
investors know the unspoken rules of which, it is not hard to understand in the broader market plunged last year, when the broker also been recommended to buy stocks, but not to recommend which stocks at risk, recommended investors sell; while ago period of time the stock market in the \\Many third-party financial institutions
financial Normal have declared that \: \to the full from the customer's interests. \In fact, third-party financial institutions to earn a profit based on objectives, financial planner these institutions can not escape the temptation of high returns, but tend to recommend higher commission products.
example, insurance products, commissions higher compared to other financial products, particularly in life insurance products, with annual premium payment mode, the longer pay the higher commission, its first year commission up to 35%, next year can get 15% return. In comparison, the fund product was only about 1% rebate. Therefore, many financial planner are used to check whether investors have full insurance, hoping customers to operate annual contribution. But this can not but say that is closely related with its vital interests.
often said, \interests.
income housing prices in large and medium cities in China than has been generally more than 10 times, Gao Jiafang has become the accumulation of financial risks, and affect social harmony, reduce the consumption potential of grassroots people's negative factors, has chosen to keep some scholars as high Rates defense. Clearly put pressure on RMB appreciation is one of the U.S. government's policy in holding large amounts of RMB assets in Europe and the United States financial institutions, economists working for the appreciation of the policy is singing the praises of one-sided.
investor without hesitation, according to these experts, scholars, policy ideas and proposals that are likely to play into the hands of others the middle, and finally had to bear the loss themselves.
then we tell other people how to make the investment financial advice, is really good for themselves, or stand in the position of people thinking the problem?
The first is \Do not repeat what others say, hear what to believe, Xiangyebuxiang immediately to make investment decisions. In fact, it sounds an impassioned point of view, not necessarily to their advantage. The so-called expert's view may not necessarily correct and comprehensive. Therefore, we must listen, do not rush to make decisions.
followed by \Before making investment decisions, the brain must first look over, integrated view more parties to determine side right or wrong, is not gullible, not blind obedience.
Finally, \Ordinary investors only to upgrade their knowledge in finance and investment quality, can effectively link their own circumstances and financial goals, the views of others and investment recommendations as appropriate judgments.
Fourth, the financial system tying
real life, we often encounter a variety of tying behavior.
for example, buy a house, (...) , you must accept the designation of the property developer companies, their pay property charges, according to the provisions of the Commission only after the establishment owners are likely to change the property, but had the quality of service irrespective of property, you only unconditional acceptance. Another example, fixed telephone, broadband Internet access service launched, was asked operators to buy a phone at the designated locations.
tying all of the acts with some mandatory, the seller by tying up the purpose of enhancing business performance, regardless of whether the buyer is willing to, whether the value of its bundled product. Although the \.
investment and financial management in the field is no exception. Some financial institutions to use their strong position, (...) , the tying mandatory financial products to customers, regardless of whether the customers need. The start, tying may only individual institutions, but later, many institutions are involved. Thus, (...) , the tying of financial products has become a kind of tacit unwritten rules.
Recently, a number of banks to the stock of mortgage-tying credit cards, insurance and other financial products, is a very typical example.
2008 年 10 22, Bank of China announced that from October 27 onwards, commercial individual housing loans to lower interest rates, expanded to 0.7 times the benchmark lending rate. In other words, qualified personal mortgage rates hit 7 fold. New Deal 7 off the mortgage on October 27, 2008 and beyond to customers who buy a house, the effect is self-evident. However, before the time the mortgage process (ie the stock of mortgage) of the clients, the specific implementation of the different banks: from January 2009, some began to adjust interest rates, while others set more stringent conditions even invariably took the opportunity to bundle other financial products.
we look at the mortgage off to play 7 savings for mortgage-interest payments. 300,000 yuan to the mortgage balance due, loan term is 20 years, home buyers pay 0.85 times the benchmark interest rate at the time, to pay interest on 302,900 yuan (5.94% × 0.85 × 20 × 30 万元 = 302,900 yuan), if in accordance with the benchmark discount rate of 7 basis, the interest paid by buyers of about 249,400 yuan (5.94% × 0.7 × 20 × 30 万元 = 249,400 yuan), compared to 7 fold between the two interest rates for home buyers to save 53,500 yuan in interest.
Clearly, mortgage-interest savings is to reduce bank interest income. The stock of a bank issuing more mortgages, thus reducing the more interest income. This is a lot of banks to the stock of mortgage-holders to set more stringent eligibility criteria, and even forced the main reason for bundling other financial products.
example, a commercial bank offers preferential rates for the stock of mortgage-holders to provide copies of the following five documents: first, to prove the first set of housing; second, to prove that ordinary owner-occupied, 140 sq m can be regarded as general self-occupied; third, to prove that within the past two years, no bad credit record, that no two consecutive months, the money owed to banks; the fourth, but also that the balance now owe the bank money 40 million or above are eligible for the discount; fifth, also need to provide a marriage certificate to prove that a married state.
some banks to the stock of mortgage-bundling other financial products, it is diverse. Below, we list several.
(1) first deposit into a VIP customer. Some time ago, Mr. Chung to the stock of a joint-stock commercial banks for mortgage rates discount. Bank staff told him the bank Platinum Member to enjoy discount lending rate 7. Non-Platinum Card member, you must first deposit amount of cash to apply: If the 200,000 yuan deposit 1 month, or 100,000 yuan deposit for six months, or 50,000 yuan deposit a mortgage 7 years to enjoy the discount. In this regard, he was quite puzzled, if the hands have so many spare cash, he might as well direct early repayment. In the end, he just enjoy the mortgage interest rate is 8 discount.
(2) first apply for credit cards. Ms. Lin bought a house two years ago, a large state-owned bank loans to more than 20 million. In accordance with the provisions of the line, VIP customers can enjoy the 7 qualified discount rate discount. But a few days before going to the bank network application, the staff told her to do before they can apply for credit cards.
(3) must be accompanied by consignment of the funds to buy banks, insurance and other products. To Mr Lee's experience, for example, mortgage interest rates for 7 in his discount, he was forced to buy the 5-year dividend risk (1000 yuan / year) and 3 months investment fund set (200 yuan / month).
fact, tying for the behavior of these banks, the stock of most mortgage-holders have no alternative, after all, \Of course, these customers can \Need to apply for refinancing savings in interest payments compared with transfer of mortgage fees and other costs, and then make a decision.
In addition, mortgage-holders can look forward to regulatory authorities or industry associations to regulate the behavior of bank tie-ins. Not long ago, the China Banking Association issued a document to prohibit the banks to implement interest rate discount off the machine 7, bundled financial products to customers. Of course, such industry standards can actually play a role, will appear \
5, Bulls and were favorable and were
for ordinary investors, the lack of specialized financial knowledge, so many people like to listen to the so-called expert investment advice, or even directly money entrusted to someone else to care for, such as a fund for private equity fund managers on behalf of investment.
because they do not understand, so 100% belief that financial experts, investors never thought of that, those experts may have their own rules of profit potential, not that you lose money, and experts will follow lose money.
is the so-called \Whether a cow is a bear capital market, financial experts and institutions who can earn a round bowl full of pots, and gained world renown. As the agent funds compensation is earned, it becomes less important. This is the insiders familiar with the potential investor has no knowledge of the rules.
number of shares under the banner name of recommended securities consulting firm, most of the development of go like this track: In the beginning, (...) , four letter circulated investment advice. Suppose first issued 1000, of which more than 500 to see the other 500 look empty, with the result there will be 500 is correct. Then, back to the 500 investment proposals to send the letter, of course, to see to look at the half empty. So again, he will eventually win over the live part of the investors. With the fixed-income customers and consultation, you can compile the book, lectures and sale of software. With the increase of influence, control and influence the size of funds has gradually expanded.
in its development process, if you are just amazed at the advisory body on several occasions the \Investors see the possibility of more institutions and experts who advice the right side, while the forecast errors can not see their experience (of course, they always external propaganda is the recommended pulling a stock with a few daily limit, and not tell you how much stock quilt).
listen to recommendations of advisory bodies recommended stocks, investors will not actually increase the probability of success much. However, the advisory bodies and experts, the share of ups and downs recommended simply not important, it is important that they have to want to make their own membership fees into the pockets.
many investors buy fund will list reference to the Fund to make a choice, tend to believe that those who regularly top the charts in the fund must be a good fund. If you do not add analysis, did not hesitate to put money into those \
Some fund companies for long-term rating on the \For example, in fund of funds team management, select the one allowed to always maintain a high equity position, while another fund to maintain low stock positions, so that both the market fell and rose, its bound to have a fund to performance rating lead.
In addition, the differentiation of style can do, such as broader market, small cap, growth, value. Also for the differentiation of investment strategies: passive, active, protect the other. Part of the team through such practices, so regardless of future market conditions evolve, there's always a good fund performance, and become the second year the main marketing push in the direction of the team.
and seasoned individual fund industry, by prior arrangement in the product line, followed by differentiation strategy in style, playing with the very familiar way, the management of the fund portfolio, just like an octopus general market conditions in all possible types are risking the \
However, the investors if it is only under the list on the \high investment risk.
Next, we say that private equity funds. Many investors believe that private equity fund flexible, high-yield, together with All kinds of rumors about the magic of private equity funds, they are willing to give it to the hands of private equity fund managers. As everyone knows there are of course private equity power to make money with you, but its profit model determines not to lose money when the private equity fund managers can help you stop in time.
income of private equity fund managers there are two categories: one is the management fee. Fund net asset value of the fund each year, draw a certain percentage of management fees, as the management of the daily operating expenses and personnel expenses. The other is income incentives. When the Fund's net assets and cash dividend yield rate of return more than one agreement index, the fund should be provision for a certain percentage of the total cash dividends, awarded to fund managers.
That is, when the bull market, private equity is the major share of proceeds earned; bear market when the private equity fund management fee income can have.
above these are the rules of trust management's earnings potential. In recognition of these investors, the financial management is entrusted to, or in person manipulator, we need to do careful consideration. Even if the trust management model is chosen, should have a judge, the real situation on the commission a detailed understanding.
VI, trust management of moral hazard
trust management is more common in our lives, after all, not everyone has enough reserves to take care of time and wealth of knowledge.
in an era of social division of labor is getting smaller, so an expert to do professional things, should help to improve the efficiency of resource allocation and achieve win-win situation.
However, there is trust management expertise in the possession of both sides in varying degrees, have the problem of asymmetric information, the consignee is vulnerable to selfish moral hazard.
get funds, fund investment trust management is a typical way. Investors to put money to fund managers to invest, operate well, investors get income, fund management fee income received. But the fund, after all, is in operation, and his specific investors every transaction is clear, that is, their information is asymmetric.
, the fund manager is likely to rank a fund or fund company as a whole at the expense of the other interests of fund investors; also possible for their own selfish interests, the establishment of Rat,