The central bank cut interest rates affect the people of financial management stock and property markets, the ……
Summary:The central bank cut interest rates affect the people of financial management stock and property markets, the impact of geometric
Monday night, the central bank decided to December 23, the lower one-year RMB benchmark deposit and lending interest rates 0.27 percentage points each, and other period-grade benchmark deposit and lending interest rates be adjusted accordingly. This is no doubt the central bank to cut interest rates further defined cycle brought about by, for ordinary people, the finance and investment should also be thinking about adjustments, and focus on the impact of the stock and property markets.
stock market: opportunities outweigh the risks
cut positive for the stock market is certainly exist, but in the last central bank sharply cut interest rates 108 basis points, its positive effect indeed diminishing, which should arouse the concern of the vast numbers of ordinary investors. A noteworthy phenomenon is that in Monday’s stock market operations, banks and other financial plate has been the dramatic adjustment, reflecting that the market for the cuts already have certain expectations. If tomorrow stock market opened higher and then gradually decline occurred, it must be caused by a guard. But in the long term, as the central bank to cut interest rates in the near future continuous, opportunities still outweigh the risks.
2008 years of China’s stock market fell by a wide margin, which decreased the impact of both economic factors as well as investors fear the impact of 6124 points from the peak to the lowest point of 1664, its systemic significant release of risk, the vast majority of losses suffered by investors. With the continuous sharp decline in central bank interest rates as well as the implementation of the plan to stimulate the economy, listed companies will significantly improve the business environment, which will allow the valuation of the stock return to a balanced level.
property market: the promotion of rational consumption
group, where the majority of mortgages, the central bank’s rate cut, making the cost of their loan repayment to further cut interest rates, but also conducive to their own will Interest expense savings to the consumer in order to expand domestic demand. For rigid demand, the decline in lending rates, but also help them to further increase the confidence of buyers.
but is worth noting that the property market, the rate or rates such a policy can not be changed its basic direction of running for a direct impact on housing prices is not too great. Just as in continuous cycle of raising interest rates, house prices still rising, and now the central bank to cut interest rates for the direct purpose of not raise prices. The operation of the real estate market, or has its own laws, for the real estate business, the rate cut does not become an excuse to bid up prices.
financial management: the timely adjustment ideas
products from the current fiscal, the idle funds can be invested in short-term investment products. In addition to the traditional Monetary Fund or the short-debt funds, investors can also choose to launch the movement of some banks strong earnings than deposit a certain advantage in cash management products, such as Huaxia Bank’s financial management and increased profits by 19 yuan products, Ping’an Bank安盈financial management “稳赢2″ RMB financial products, belong to this type. Rate hike cycle in the days of glory in the credit management product category. In many times it is difficult to cut interest rates after the escape. As a result of these products comes from the proceeds of bank loans to enterprises released earnings after consecutive cut, a large number of enterprises for their old loan repayment ahead of schedule in order to reduce financing costs, but also resulted in credit products influx of early termination, or to Phase products can not achieve the expected revenue receipts situation. Statistics show that since November 20, a total of 58 credit assets early termination products.
in the current macroeconomic environment, risk management is also important than the pursuit of profit. Recommendations of ordinary people in the idle funds to carry out short-term investments at the same time, some funds with longer appropriate to invest their time, so time to resolve the question of risk. In addition, through a small portion of the funds, the back of bargain hunting in the relatively long time span there is a steady performance of hybrid funds. A noteworthy phenomenon is that the recent spate of financial products, “hunters” concept began to emerge, such as Bank of East Asia, the recent launch of the “profit-Bao Series 15″ financial products, designed to see more Chinese-funded banking stocks, bullish stock basket the same for China Construction Bank, Bank, China Merchants Bank 3 banking stocks, while bearish basket replaced by Intel, GE and other U.S. 5. Stocks fell sharply in the early stage, the investment opportunities emerging in the risk-bearing capacity of investors, may also be concerned about some of these products.2008-12-22
央行降息影响财务管理股市和地产市场的人，是……
摘要：央行降息影响财务管理股市和地产市场的人，在几何影响
周一晚，央行决定12月，较低的一个23岁的人民币存贷款基准利率0.27个百分点各点，和其他时期级存贷款基准利率作相应调整。这无疑是央行进一步减息周期的定义所带来的普通人民，金融和投资，也应思考调整，对股市和楼市的影响为重点的市场。
股市：机遇大于风险
减少对股市的积极肯定是存在的，但在过去央行大幅下调利率108个基点，其效果确实减少，这应引起普通投资者的广大关注。一个值得注意的现象是，在周一的股市运作，银行和其他金融板块一直大幅调整，反映了削减市场已经有一定的期望。如果明天股市高开，然后逐渐下降发生，它必须是由一名警卫。但是，从长远来看，随着央行削减在不久的将来持续的利率，机会仍然大于风险。
2008年中国股市年大幅度，这降低了两国的经济因素的影响，以及投资者担心减少从高峰的6124点影响，从而使1664年的最低点，其系统的显着释放风险，由投资者蒙受损失的绝大部分。随着央行连续利率大幅下降，以及该计划，以刺激经济的实施，上市公司将大大改善营商环境，这将使该股票回归到均衡水平上的价值。
楼市：理性消费的促进
组，其中大部分抵押贷款，央行的降息，使他们的还贷成本进一步降低利率，也有利于自己将节省利息支出消费者，以扩大国内需求。对于刚性需求，在贷款利率下降，而且还帮助他们进一步增加买家的信心。
但值得注意的是，房地产市场，利率或利率这样的政策不会改变其对住房的价格，这直接影响运行的基本方向，是不是太大。正如在连续加息周期，房价仍在上升，现在央行削减的直接目的利率不会提高价格。在房地产市场的运作，或有自己的法律，为房地产业务，降息并不能成为借口，哄抬价格。
财务管理：及时调整思路
产品从目前的财政政策，对闲置资金可以投资于短期投资产品。除了传统的货币基金或短期债券基金，投资者还可以选择推出19元的产品的银行的盈利比运动的强大的现金存款管理产品，如华夏银行的财务管理，增加利润，有一定的优势，平安银行安盈理财“稳赢2”人民币金融产品，属于这种类型。汇率的荣耀的日子加息周期的信用管理产品类别。在很多时候是很难逃脱后削减利率。由于这些产品的结果是来自银行贷款的收益连续减少后获释，是为他们的企业还款的时间有所提前大量盈利企业为了降低融资成本，而且在信贷产品的涌入，导致早期终止或阶段的产品不能达到预期的收入收益情况。统计显示，自11月20日，一共有58个信贷资产提前终止的产品。
在当前宏观经济环境
，风险管理也是重要的不是追求利润。在老百姓闲置资金进行的建议，同时短期投资，一些基金投资不再适合他们的时间，所以时间来解决风险问题。此外，通过一小部分资金，对谈判早在相当长的时间跨度有狩猎是一种混合型基金业绩稳定。一个值得注意的现象是，近期出现的金融产品，“猎人”的概念开始出现，如东的“利润最近推出亚洲宝系列银行，15”的金融产品，目的是看到更多的中资银行股票，股票看涨篮子为中国建设银行，银行一样，中国招商银行三银行股票，而看跌篮子由英特尔，通用电气等美国5所取代。股市下跌初期大幅的投资机会出现的风险，影响投资者的能力，也可能对这些产品的一些关注。2008-12-22