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可是他俩真不一样

来源: 南方日报网络版     时间: 2019年11月20日 22:55:28
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(EPISODE3
聊)(到)(这)(里)(,就)(会)(有)(朋)(友)(觉)(得)(困)(惑)(了)(,难)(道)(这)(不)(符)(合)(“风)(险)(和)(收)(益)(成)(正)(比)(”的)(基)(本)(道)(理)(了)(吗)(?而)(我)(在)(网)(上)(搜)(索)(了)(很)(久)(,似)(乎)(也)(没)(发)(现)(有)(一)(篇)(文)(章)(能)(把)(这)(个)(问)(题)(说)(清)(楚)(的)(。OK,那)(我)(们)(今)(天)(就)(把)(这)(事)(儿)(给)(厘)(厘)(清)(。
常)(见)(盲)(点)(一)(:
“保)(本)(”和)(“保)(收)(益)(”,可)(是)(两)(码)(事)(。
我)(妈)(买)(的)(产)(品)(,的)(确)(是)(保)(本)(的)(。可)(是)(,她)(口)(口)(声)(声)(的)(12%收)(益)(率)(,往)(确)(切)(里)(说)(,应)(该)(是)(“预)(期)(最)(高)(收)(益)(率)(”,换)(言)(之)(就)(是)(这)(款)(产)(品)(的)(投)(资)(操)(作)(得)(最)(好)(、最)(赌)(对)(市)(场)(走)(向)(、最)(走)(运)(,最)(高)(能)(获)(得)(相)(当)(于)(年)(化)(12%的)(收)(益)(,但)(这)(是)(非)(常)(小)(概)(率)(的)(事)(件)(;如)(果)(投)(得)(不)(那)(么)(对)(,就)(可)(能)(会)(跌)(到)(第)(二)(、第)(三)(档)(收)(益)(,比)(如)(3.8%、1.5%,甚)(至)(于)(没)(有)(收)(益)(,到)(期)(只)(能)(取)(回)(本)(金)(。
常)(见)(盲)(点)(二)(:
这)(也)(是)(我)(一)(直)(觉)(得)(很)(绕)(、很)(容)(易)(让)(人)(误)(解)(的)(点)(。你)(们)(准)(备)(好)(下)(面)(要)(被)(“愉)(见)(财)(经)(”搞)(脑)(子)(了)(——
我)(小)(姨)(买)(的)(产)(品)(,也)(就)(是)(市)(面)(上)(最)(常)(见)(的)(那)(种)(银)(行)(理)(财)(,即)(便)(被)(监)(管)(严)(格)(要)(求)(写)(清)(“不)(保)(本)(不)(保)(息)(”(或)(者)(说)(成)(“非)(保)(本)(浮)(动)(收)(益)(”,总)(之)(是)(一)(码)(事)(,就)(是)(俩)(都)(不)(保)(),并)(标)(注)(风)(险)(等)(级)((我)(看)(了)(一)(下)(现)(在)(在)(售)(的)(大)(多)(是)(稳)(健)(类)(的)(R2),但)(事)(实)(上)(因)(为)(投)(向)(是)(银)(行)(自)(己)(管)(理)(着)(的)(资)(产)(池)(,甚)(至)(以)(前)(一)(些)(R1的)(产)(品)(说)(白)(了)(就)(是)(变)(相)(信)(贷)((就)(像)(存)(贷)(都)(放)(去)(了)(表)(外)(),擦)(边)(球)(一)(个)(,所)(以)(反)(而)(是)(保)(本)(保)(息)(至)(今)(。
因)(为)(这)(背)(后)(,或)(多)(或)(少)(,有)(隐)(性)(银)(行)(背)(书)(。
SO:
-小)(姨)(:4.5%,约)(定)(“不)(保)(本)(”;实)(际)(刚)(兑)(未)(打)(破)(,保)(本)(保)(息)(。
-我)(妈)(:12%,约)(定)(“保)(本)(”;实)(际)(保)(本)(,但)(大)(大)(大)(概)(率)(情)(况)(下)(收)(益)(做)(不)(到)(12%,多)(档)(次)(收)(益)(、无)(收)(益)(皆)(有)(可)(能)(。
所)(以)(,风)(险)(收)(益)(对)(等)(的)(原)(则)((当)(然)(还)(有)(一)(个)(流)(动)(性)(,也)(就)(是)(理)(财)(产)(品)(期)(限)(差)(不)(多)(),还)(是)(不)(变)(的)(王)(道)(啊)(。
EPISODE4
下)(面)(开)(始)(庖)(丁)(解)(牛)(,跟)(大)(家)(说)(,这)(俩)(产)(品)(为)(啥)(就)(那)(么)(绕)(,就)(不)(能)(让)(大)(伙)(都)(看)(得)(通)(透)(嘛)(?!
一)(言)(以)(蔽)(之)(,我)(妈)(和)(小)(姨)(的)(产)(品)(,其)(实)(是)(两)(大)(类)(产)(品)(。
我)(妈)(:那)(是)(真)(投)(资)(了)(;
小)(姨)(:其)(实)(是)(假)(投)(资)(真)(“出)(借)(”了)(,银)(行)(才)(是)(真)(投)(资)(的)(那)(位)(。
我)(妈)(:那)(是)(真)(投)(资)(了)(;
小)(姨)(:其)(实)(是)(假)(投)(资)(真)(“出)(借)(”了)(,银)(行)(才)(是)(真)(投)(资)(的)(那)(位)(。
先)(来)(说)(小)(姨)(的)(吧)(,各)(位)(是)(否)(也)(都)(买)(过)(这)(种)(最)(大)(路)(货)(的)(理)(财)(?您)(知)(道)(您)(的)(钱)(都)(具)(体)(投)(了)(些)(什)(么)(标)(的)(吗)(?显)(然)(并)(不)(知)(道)(吧)(。
要)(诀)(一)(:
这)(是)(一)(种)(“资)(金)(池)(”对)(接)(了)(“资)(产)(池)(”式)(的)(理)(财)(,当)(然)(监)(管)(管)(了)(以)(后)(,俩)(池)(子)(变)(得)(一)(一)(对)(应)(了)(。
我)(们)(个)(人)(的)(钱)(,并)(没)(有)(一)(一)(对)(应)(地)(去)(投)(了)(某)(一)(个)(标)(的)(,比)(如)(你)(并)(没)(有)(就)(投)(这)(票)(据)(、我)(也)(没)(有)(就)(投)(这)(债)(券)(;而)(是)(,进)(入)(了)(一)(个)(巨)(大)(的)(资)(金)(池)(,和)(其)(他)(人)(的)(钱)(一)(起)(运)(作)(了)(。
相)(应)(的)(,银)(行)(那)(头)(还)(有)(一)(个)(资)(产)(池)(,就)(是)(银)(行)(搞)(来)(的)(一)(大)(堆)(债)(券)(、票)(据)(之)(类)(,或)(是)(同)(业)(资)(金)(拆)(放)(,或)(是)(权)(益)(类)(资)(产)(,形)(成)(一)(个)(组)(合)(。于)(是)(,大)(资)(金)(池)(里)(的)(钱)(,对)(应)(了)(大)(资)(产)(池)(里)(的)(标)(的)(组)(合)(。
要)(诀)(二)(:
这)(种)(理)(财)(产)(品)(还)(是)(期)(限)(错)(配)(、滚)(动)(发)(售)(的)(。(即)(便)(监)(管)(对)(此)(是)(要)(求)(管)(理)(的)(,但)(是)(没)(办)(法)(啊)(,资)(产)(的)(久)(期)(没)(法)(都)(弥)(合)(上)(资)(金)(的)(期)(限)(呀)(。)
资)(金)(池)(这)(里)(,有)(些)(钱)(到)(期)(走)(了)(、再)(补)(些)(钱)(进)(来)(,靠)(滚)(动)(发)(售)(来)(保)(证)(资)(金)(池)(的)(体)(量)(,资)(产)(池)(也)(一)(样)(,到)(期)(的)(资)(产)(会)(被)(摘)(出)(去)(,银)(行)(也)(会)(采)(购)(新)(资)(产)(。
所)(以)(,对)(于)(这)(种)(理)(财)(产)(品)(,我)(们)(拿)(到)(的)(收)(益)(是)(标)(准)(化)(的)(,并)(不)(会)(因)(为)(其)(中)(个)(把)(标)(的)(坏)(账)(,我)(们)(的)(收)(益)(就)(从)(4%变)(成)(了)(3%。
刚)(才)(也)(说)(了)(,这)(次)(再)(Up嗦)(一)(遍)(银)(行)(是)(不)(会)(告)(诉)(你)(的)(大)(实)(话)(:这)(类)(产)(品)(或)(多)(或)(少)(有)(银)(行)(的)(隐)(性)(信)(用)(在)(里)(头)(。
如)(果)(真)(遇)(到)(了)(资)(产)(利)(率)(随)(着)(市)(场)(利)(率)(有)(所)(下)(降)(,或)(者)(资)(产)(质)(量)(下)(滑)(了)(,那)(大)(不)(了)(就)(是)(银)(行)(发)(新)(一)(期)(理)(财)(产)(品)(时)(降)(低)(收)(益)(率)(。
不)(过)(为)(了)(咱)(们)(的)(“愉)(见)(财)(经)(”能)(够)(保)(证)(准)(确)(,我)(们)(也)(必)(须)(把)(很)(小)(很)(小)(概)(率)(的)(事)(件)(也)(考)(虑)(在)(内)(,那)(就)(是)(,这)(样)(的)(期)(限)(错)(配)(,万)(一)(发)(生)(了)(流)(动)(性)(风)(险)(,尤)(其)(是)(现)(在)(同)(业)(缩)(表)(、表)(外)(资)(产)(监)(管)(趋)(严)(、有)(个)(把)(银)(行)(在)(同)(业)(那)(里)(的)(理)(财)(都)(发)(生)(小)(面)(积)(违)(约)(的)(大)(背)(景)(下)(,如)(果)(有)(个)(小)(银)(行)(某)(天)(开)(始)(很)(难)(募)(资)(了)(,怎)(么)(办)(?(当)(然)(你)(们)(别)(恐)(慌)(,我)(说)(了)(,这)(概)(率)(真)(是)(太)(小)(了)(。)
但)(概)(率)(再)(小)(,也)(是)(我)(们)(需)(要)(想)(到)(的)(。换)(句)(话)(说)(,这)(些)(产)(品)(出)(不)(了)(小)(问)(题)(,但)(万)(一)(万)(一)(万)(万)(一)(出)(问)(题)(,那)(就)(是)(系)(统)(性)(问)(题)(。这)(才)(是)(产)(品)(被)(要)(求)(写)(明)(不)(保)(本)(不)(保)(息)(的)(原)(因)(。
其)(实)(大)(家)(应)(该)(也)(想)(得)(明)(白)(,如)(果)(它)(连)(这)(点)(风)(险)(都)(没)(,那)(对)(那)(些)(钱)(还)(在)(储)(蓄)(里)(头)(的)(储)(户)(,岂)(不)(是)(不)(公)(平)(了)(么)(?
EPISODE5
下)(面)(再)(说)(,我)(妈)(的)(产)(品)(,又)(投)(了)(什)(么)(呢)(?
不)(同)(于)(小)(姨)(的)(产)(品)(说)(不)(清)(具)(体)(的)(标)(的)(,我)(妈)(的)(产)(品)(,只)(要)(她)(肯)(戴)(上)(老)(花)(镜)(认)(认)(真)(真)(读)(完)(那)(厚)(厚)(一)(沓)(条)(款)(和)(投)(资)(结)(构)(说)(明)(,是)(看)(得)(清)(背)(后)(完)(全)(对)(应)(的)(投)(资)(的)(。
我)(们)(通)(常)(把)(这)(种)(产)(品)(称)(作)(“结)(构)(化)(理)(财)(产)(品)(”。“愉)(见)(财)(经)(”把)(这)(个)(结)(构)(给)(“解)(构)(”一)(下)(,它)(们)(一)(般)(采)(用)(“基)(石)(”+“期)(权)(”的)(结)(构)(。
“基)(石)(”部)(分)(要)(做)(到)(保)(本)(。假)(设)(是)(100元)(的)(一)(年)(期)(理)(财)(产)(品)(,假)(设)(我)(用)(94元)(去)(买)(一)(个)(未)(来)(到)(期)(时)(保)(障)(面)(值)(100元)(的)(零)(息)(债)(券)(,就)(意)(味)(着)(我)(将)(有)(6元)(,可)(以)(用)(来)(投)(“期)(权)(”,比)(如)(投)(外)(汇)(、股)(票)(、商)(品)(期)(货)(等)(,比)(如)(挂)(钩)(外)(汇)(掉)(期)(、比)(如)(挂)(钩)(某)(个)(石)(油)(指)(数)(基)(金)(,或)(是)(某)(个)(组)(合)(。
这)(个)(“期)(权)(”也)(可)(以)(翻)(花)(样)(,看)(涨)(的)(、看)(跌)(的)(、甚)(至)(是)(赌)(一)(个)(限)(值)(、一)(个)(波)(动)(区)(间)(的)(。还)(可)(以)(利)(用)(金)(融)(机)(构)(在)(背)(后)(给)(您)(设)(计)(的)(投)(资)(杠)(杆)(。
以)(我)(妈)(的)(产)(品)(为)(例)(,如)(果)(让)(6元)(钱)(有)(某)(种)(可)(能)(性)(翻)(出)(100%的)(收)(益)(,就)(意)(味)(着)(这)(里)(有)(12元)(,加)(上)(到)(期)(零)(息)(债)(券)(那)(头)(能)(拿)(100元)(,那)(就)(意)(味)(着)(产)(品)(到)(期)(有)(12%的)(收)(益)(率)(。
但)(既)(然)(是)(赌)(一)(个)(小)(概)(率)(事)(件)(,那)(就)(意)(味)(着)(投)(得)(不)(好)(的)(情)(况)(下)(,6块)(钱)(本)(身)(可)(能)(亏)(成)(2、3元)(钱)(、甚)(至)(亏)(到)(一)(分)(不)(剩)(;假)(设)(最)(倒)(霉)(的)(情)(况)(下)(,触)(发)(了)(某)(个)(终)(止)(条)(款)(真)(亏)(成)(一)(分)(不)(剩)(了)(,那)(投)(资)(者)(就)(拿)(走)(那)(零)(息)(债)(券)(的)(100元)(,就)(算)(保)(本)(了)(。
看)(,这)(种)(产)(品)(里)(的)(花)(头)(,和)(刚)(刚)(那)(种)(“资)(产)(池)(”模)(式)(全)(然)(不)(同)(。这)(种)(理)(财)(,是)(正)(儿)(八)(经)(在)(选)(标)(的)(做)(投)(资)(呢)(。
EPISODE6
以)(上)(就)(是)(今)(天)(“愉)(见)(财)(经)(”要)(给)(大)(家)(厘)(清)(的)(两)(种)(典)(型)(银)(行)(理)(财)(的)(模)(式)(。最)(后)(放)(松)(一)(下)(,说)(个)(稍)(微)(题)(外)(话)(一)(些)(的)(后)(记)(:我)(遇)(到)(过)(的)(一)(个)(业)(内)(“乌)(龙)(”排)(行)(榜)(。
一)(般)(来)(说)(,以)(前)(多)(数)(外)(资)(银)(行)(和)(小)(部)(分)(中)(资)(银)(行)(,会)(推)(我)(妈)(买)(的)(那)(种)(结)(构)(性)(理)(财)(;而)(绝)(大)(多)(数)(中)(资)(银)(行)(都)(迷)(恋)(着)(其)(实)(是)(“表)(外)(扩)(张)(”的)(那)(种)(资)(产)(池)(资)(金)(池)(模)(式)(的)(理)(财)(。
两)(三)(年)(前)(,有)(一)(个)(在)(知)(名)(外)(资)(银)(行)(做)(产)(品)(开)(发)(的)(朋)(友)(跟)(我)(倒)(苦)(水)(,那)(真)(是)(秀)(才)(遇)(到)(兵)(有)(理)(说)(不)(清)(了)(。因)(为)(业)(内)(当)(时)(某)(家)(很)(爱)(给)(理)(财)(产)(品)(做)(评)(价)(的)(机)(构)(,出)(了)(一)(个)(各)(家)(银)(行)(理)(财)(“是)(否)(达)(到)(预)(期)(收)(益)(率)(”的)(排)(行)(榜)(。
这)(会)(导)(致)(一)(个)(什)(么)(结)(果)(呢)(?因)(为)(这)(分)(明)(就)(是)(两)(种)(理)(财)(啊)(,那)(当)(然)(是)(“资)(金)(池)(-资)(产)(池)(”类)(的)(理)(财)(次)(次)(都)(达)(到)(预)(期)(收)(益)(率)(,而)(结)(构)(性)(理)(财)(当)(然)(很)(难)(达)(到)(“预)(期)(最)(高)(收)(益)(率)(”啦)(!把)(这)(两)(种)(模)(式)(放)(在)(一)(起)(搞)(排)(行)(榜)(,这)(排)(行)(榜)(当)(时)(还)(被)(好)(些)(媒)(体)(援)(引)(了)(,于)(是)(真)(搞)(得)(我)(那)(个)(外)(资)(行)(朋)(友)(哭)(笑)(不)(得)(。因)(为)(他)(们)(银)(行)(,从)(来)(不)(推)(“资)(金)(池)(-资)(产)(池)(”类)(理)(财)(,于)(是)(很)(悲)(催)(,他)(们)(的)(“预)(期)(收)(益)(率)(”达)(标)(情)(况)(垫)(底)(了)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(
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