全职高手无错精校手打:盘点2011理财市场 贵金属投资进入寻常百姓家

Along with the increase of the people managing finances consciousness, emerge in endlessly financial products are coming to everyone's field of vision.To provide an overview of the financial market in 2011, there were flashes--

　　Window (1)

Bank financing products: quantity and price stability JiZeng performance

The number of issued an average expected to double up in more than 4.5% change yield

According to not complete count, December 20,, the bank of the financial product only issued 20246, than last year the surge is nearly 1 times throughout the year.

In the stock and property, the collection and many other investment market played well in 2011, bank financial product name this financial investment market "veteran", quantity and price of JiZeng, for investors drew an yield curve more robust.

From income distribution terms, this year since the financial product in average expected change yield more than 4.5%, run won the one-year deposit rate, but he can't run win CPI growth;In addition, the product yield is not the highest $more than 2%, and the expected rate of return of products $most "YingQi", frequently by more than 5%, the highest one-year products can reach 9.6%, popular with investors demand.

Latest statistics show that Wind information, November 69 Banks issued 2170 of financial products, annulus comparing growth of more than 9%.Among them, the construction bank issued 241 model, and the first place;The time is the traffic of the circulation of the bank;China merchants bank to issue 225 ranking of the third.

The statistics also revealed that, November 1786 bank of domestic financial product expires, annulus comparing a rise of 5.74%.Capital preservation of floating type than 23.63%, accounting for more than 17.64% of guaranteed fixed type.According to entrust time points, 1 to 3 months due account for the than the largest, for 38.24%;A month due within three points up to 一,1 to two years due to occupy 1.29%, more than two years expired just 0.39%.

In these products, a quarter released in actual change yield.There are 1 year of actual change yield is negative, the highest a real annualised rate of return of 8% above;Due in most of products than the actual annualised rate of return for 3% to 5% and, to 20%.

Should say, in recent years the commercial bank financing business fast development momentum to be reckoned, not only a scale, product line enriched, and in the product design and marketing means, marketing way and investment management and innovation.But at the same time the problems existing in the development and weak link is also constantly exposed.So many times this year CBRC postings, not only limit asked the bank will be carried by the financial cooperation business table to table inside, still in the near future, called for a within a month of the super short term financial products, to reduce financial market risk is playing a positive role.

Jan. 1 next year, the commercial bank financing products sales management method "will be officially implementation.Insiders expect, strict supervision of the idea will still continue in the next year, and this will help to strengthen the supervision of the financial management business of commercial Banks and promote the financial product market compliance, health, sustainable development.

　　Window (2)

Art trading: to ordinary investors

Art collection investment returns each year on average 26% overall size of the art market is expected to exceed 200 billion yuan

Begin from 2004, artwork trading sharply, rate of return quite high.Since 2004, China's art collection TouZiNian rate of return is 26%, and the cultural relics, antique appreciation rate is 20% a year.In 2011, Chinese art market overall scale up again, expected to exceed 200 billion yuan.

The risk is small, fast appreciation, art investment unique charm for people place more and more attention, but his natural high investment threshold to a lot of want to entering this field of people kept out of the door.With the rapid development of the art market and art investment way of innovation, past "unattainable" art investment also quietly "fly into the common people's home".

With strong market development art, art fund from two years ago millions dollars scale, development to today's more than 50 one hundred million yuan.According to statistics, by the November 18,, domestic nearly 30 house art fund company has established more than 70 issued only art fund, remove two expired dissolved, the fund initial scale total 5.77 billion dollars.

In 2010, the shenzhen cultural property right exchange and Shanghai cultural property right exchange has introduced art assets after the bag, the art "securitization" attempt.This year, several cultural property right exchange being preparation and opening, "share of the" investment "bulk" way to make art become a reality.

"Share the trade" is the art of the total price average into several copies, investors may be like the stock exchange of investment by electronic trading platforms as a deal.This means that ordinary people and also have the investment opportunity of high art.

From the earliest people to "GuiShi" cat make antiques, to later in the cultural relic market transactions, and then to the auction card up mallet fall, to now try through the exchange and bank investment, and art style of trade are toward diversified development direction.But want to make "a blue blood" works of art truly satisfy common investment demand, it also needs more exploration and practice.