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信任兑付危险正逐渐暴露   “自从中诚信任‘诚至金开1号’发作兑付危险后

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zzz3meili1 发表于 2014-5-29 12:04:45 | 显示全部楼层 |阅读模式
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投资者余虹(化名)在承受《世界金融报》记者采访时,难掩心里的忐忑。
  余虹是工商银行(3.46, 0.00, 0.00%)深圳分行私家银行部的客户,2011年7月,在银行客户经理的引荐下,购买了300万元中诚信任“诚至金开2号”商品。
  余虹欠好的预见能够成为实际 信任商品屡次陷入兑付危机。今年初,中诚信任30亿元“诚至金开1号”信任商品拉响警报,终究以第三方接盘的方法收场。该公司13亿元的“诚至金开2号” 近期再陷泥潭。信任财物办理规划迅猛增加,5月份迎来信任商品兑付高峰期,信任兑付危险正逐渐暴露
  “自从中诚信任‘诚至金开1号’发作兑付危险后,我就越来越忧虑。”。近来,13亿元规划的“诚至金开2号”信任计划被指面临兑付危机。
相对对比有抵押的P2P平台,P2P更具有优势,不会出现兑付危机。
微积金互联网金融效劳途径(www.vfunding.cn)永伦金融公司旗下品牌,是国内抢先的专业、安全轿车典当融资假贷效劳途径,由从业于金融、互联网行业多年的高手团队倾力打造的立异互联网金融信息效劳公司。
微积金致力于经过大数据、互联网等有效工具为有需要融资或出资的自己或公司供给一个安全、诚信、低危险、报答稳定的投融资途径,并以高安全性的买卖机制与严厉危险操控系统完成高安全的出资买卖,然后确保参加买卖的各方均在安全可控的买卖环境与状态下完成各自的需要。
在各种理财途径良莠不齐、各类金融商品目不暇接的今日,微积金有决心经过本身的高品质效劳能帮助您便利、方便、高效地处理融资需要的难题,也将经过咱们专业的才能帮您制定让所有人都能看得懂的理财计划!
  
   
  

  【理财规划】
  家庭除了社会医疗保险以外,并没有额外的商业保险保障,一旦风险发生将为家庭带来重大影响。客户还很年轻,所需支付的保费相对较低,完全可以为双方及孩子投入足够充分的商业保险,建议给一家三口都购买一些重大疾病险和意外医疗保险。
                                    
  夫妻双方正处于积累财富的上升阶段,由于有换房及子女教育等大额消费需求,需要积攒足够的资金,因此购车计划不能额外占用太多的资金。股票投资存在不确定性,可以将股票全部卖出,用一部分钱做首付,同时,办理汽车专项分期业务,首付30%,按月还款,分期一年只需支付4%的分期手续费。基本不会增加现有还款压力,又能购得新车,分摊购车和换房计划的一次性支出压力。闲置资金可用于获取更高投资收益,例如中国银行代销的中银稳富系列就是很好的选择。
  置换房子:
  指导专家:中国银行北京清华东路支行理财经理金融理财师胡浩
  目标:希望3-5年换个120平米的大房子,购置一台12万元左右的家用车,三口人购置大病和人寿保险。
  从理财目标来看,按照目标的远近长短、轻重缓急来划分,分别是换房计划、子女教育金积累、购车计划和保险规划。
  购车计划:
  京华时报读者郝先生和爱人都是30岁,为同一企业职工,宝宝一岁半,有80平米住房一套,但每月按揭1700元还有15年,家庭到手月收入9500元左右,年终奖3万元,公积金可取1万元,社保有单位的五险一金和补充医疗保险,基金定投每月1000元,资产方面有股票13万元(由于不擅长已亏4000元),三年期地方国债5万元(15%年收益,还有一年到期),股票型基金2万元(收益些微),存款5万元。
  保险规划:
  由于3-5年有换房打算,此时孩子已满6岁,正是适龄上学阶段,子女教育储蓄是不得不考虑的问题。目前房价6500元,现有住房每月按揭1700元,15年还清总计30.6万,每年可支配收入15.4万元,但总价与现有收入相比,完全可以负担,换房之前可以提前将现有贷款还清,国债和存款可以作为换房首付使用,每月省下的钱可以加大基金定投的比例,为日后子女教育储备一定的教育金。
  京华时报记者高晨
相关的主题文章:

投资者余虹(化名)在承受《世界金融报》记者采访时,难掩心里的忐忑。
  余虹是工商银行(3.46, 0.00, 0.00%)深圳分行私家银行部的客户,2011年7月,在银行客户经理的引荐下,购买了300万元中诚信任“诚至金开2号”商品。
  余虹欠好的预见能够成为实际 信任商品屡次陷入兑付危机。今年初,中诚信任30亿元“诚至金开1号”信任商品拉响警报,终究以第三方接盘的方法收场。该公司13亿元的“诚至金开2号” 近期再陷泥潭。信任财物办理规划迅猛增加,5月份迎来信任商品兑付高峰期,信任兑付危险正逐渐暴露
  “自从中诚信任‘诚至金开1号’发作兑付危险后,我就越来越忧虑。”。近来,13亿元规划的“诚至金开2号”信任计划被指面临兑付危机。
相对对比有抵押的P2P平台,P2P更具有优势,不会出现兑付危机。
微积金互联网金融效劳途径(www.vfunding.cn)永伦金融公司旗下品牌,是国内抢先的专业、安全轿车典当融资假贷效劳途径,由从业于金融、互联网行业多年的高手团队倾力打造的立异互联网金融信息效劳公司。
微积金致力于经过大数据、互联网等有效工具为有需要融资或出资的自己或公司供给一个安全、诚信、低危险、报答稳定的投融资途径,并以高安全性的买卖机制与严厉危险操控系统完成高安全的出资买卖,然后确保参加买卖的各方均在安全可控的买卖环境与状态下完成各自的需要。
在各种理财途径良莠不齐、各类金融商品目不暇接的今日,微积金有决心经过本身的高品质效劳能帮助您便利、方便、高效地处理融资需要的难题,也将经过咱们专业的才能帮您制定让所有人都能看得懂的理财计划!
  
   

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2vk08x6d 发表于 2014-7-15 14:35:49 | 显示全部楼层

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