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详情描述

在线求线助大家!加我


一起探讨、今天在网络上搜索到这


家投资理财公司,看上去利润很高是银行的理


财产品好几倍,心动想投资一些试试看,本来


胆子就小,看到很多新闻说利润太高是虚假的


现在都不敢去投资,毕竟这点资金都是辛辛苦


苦赚来的。现在求助广大网友,要是有投资过


或者是知道内幕消息的网友可以加我


qQ告知下,谢谢大家了!


民生银行一位分行信贷业务负责人亦表示,每


家银行对经济形势的判断不太一样,兴业银行


做出上述决策,与该行自身的风险偏好有关。


银行谨慎对待房产融资


兴业银行叫停部分房贷之后,关于交通银行下


发通知暂停所有房地产项目贷款的传言又流传


开来。目前,交行已明确否认有过这样的通知



多位业内人士表示,目前房地产信贷政策并未


有明显调整。银行“跟风停贷”的局面并不会


上演。


一位国有大行支行行长表示,该行从2010年起


,对地产融资项目就严格地限制,严格到了“


几乎每一个项目都需要报到总行去过会。”不


过,该行对大型房企的融资从未进行过控制,


回避的都是一些中小型房企。


这位行长表示,从2013年3月以来,国有银行


便不愿再通过“假股权,真债权”的模式为中


小房企提供融资。他指出,社会融资成本提高


、货币市场利率升高减少了银行在同业业务中


能取得的利润。由于融资成本上升,银行的息


差减少,且还要在参与买入返售的各方机构


出资方、融资方、担保方和过桥方之间进行


分配,所以银行从中能够获得的利润更加减少


。此前银行可以将一个融资项目通过资产买入


返售的形式,打包卖给另一家银行;但目前,


这种操作方式能够获取的利润已被挤压。“所


以银行犯不上做那个。”


交行某华东支行行长则表示,年初以来房地产


融资的业务口径没有发生过变化。在房地产开


发贷方面,其实近年来整个银行业都是比较审


慎的,会注重项目资质的审核,偏好大型房企


。交行在夹层融资、地产供应链融资涉及得不


是很多。


平安一位公司金融业务人士指出,房地产融资


紧了很长时间,去年上了两个房地产开发贷项


目,但均没有通过风控环节。


大小房企冰火两重天


业内人士告诉腾讯财经,一边是大型房企不缺


钱,一边是中小房企融资困难的情况已经持续


了很长时间。银行对房地产行业保持谨慎,控


制信贷投放并不是近期才出现的。


前述兴业银行人士表示,近年房企融资,信托


渠道占了很大的一部分,开发贷对房地产的支


持没有那么大,就把客户推向新兴融资渠道。


他介绍,兴业对开发贷的标准为二级以上资质


,房企在全国范围内前50,在省内前


10。银行普遍对房地产行业很谨慎。中小型开


发商抗风险能力比较差,大型规模的房企从风


险,流动性方面来看都比较好,银行较为偏好



民生银行人士则告诉腾讯财经,许多能够拿到


开发贷的房企其实都不缺钱。因此这些开发商


会将贷款用于楼盘的滚动开发。


该人士亦表示,中小房企融资难是一个持续存


在的现象。对于一些发展前景较好,但在现阶


段尚不符合信贷标准的企业,民生会通过“高


收益通道业务”提供融资。“投资银行


业务也就是指银行需要融资方的股权质押,然


后提供融资。银行承担比较大的风险,也获得


比较大的收益”。这位人士表示。


不过,自从2012年银监会发布“七不准”之后


,民生也大量减少了此类“通道业务”



兴业银行人士表示,中小型开发商融资越来越


难。短期还没看到放松的迹象。


Balance treasure by Alibaba launched


less than half a year to more than 100


billion, to become the largest monetary


fund. 1 yuan to buy, but year returns


ratio can reach 5% or even higher, can


not afford to buy financial products,


the people into a frenzy. A number of


Internet Co following the launch of the


100 such monetary fund products, in


order to snatch customers, in the income


and pay out of pocket for subsidies,


many products of the interest rate


easily broke through 10%, high return


and low risk, can Seckill tall, rich and


handsome trust products.


But fry money but how long


This month, the balance of the treasure


and pay treasure wallet manager Fan


Zhiming asked the audience at an event,


want to buy 15% no risk products The


audience are said to be fan, Zhiming


answer loudly dream!


In fact, the Internet financial and not


from the traditional financial. If no


suitable financial products, in the


current regulatory environment, the


Internet financial also does not have


the ability to create a new product. But


the current available for Internet


Financial leveraging low risk financial


products in addition to what monetary


fund


The IMF is scale the bigger is not easy


to obtain high yield. For example, tens


of billions of funds, and worry money


small banks talk about high yield. But


hundreds of billions of funds, then find


can pay money buyers more difficult. So


in the long term, Yu Ebao gains can be


very stable, but it is difficult in the


monetary fund to the front row.


On the other hand, although the market-


oriented interest rate trend is


increasingly clear, but the country does


not want to money state repression and


economic development, more do not want


people into fry money big industry in


china. Just imagine, a man with


yuan, according to the momentum of this


year, 5000 yuan fry money income basic


monthly, the same wages of ordinary


workers are almost the same, as long as


the money, who are willing to work


Enterprises have why to work hard to do


industry The high level of interest


rates is to develop a series of more


threatening than real rentier class


Real estate prices up, but the real is


still there. And fry the money increase


in the assets of many is the book, debt


pressure is brought to the economy


actually is in the. This can increase


GDP, but cant bring people and more


economic model also benefits go