• 大資管時代下的理財新規 30萬億理財巨艦開辟新航路

    時事 > | Time Weekly - 2018-10-16 03:39:06 來源:時代周報
  • [摘要] 據統計,2017年各級銀監部門共披露2451張罰單,合計罰款26.98億元。截至2017年年底,全國銀行業理財產品存續余額29.54萬億元,同比增長1.69%。

    時代周報記者 謝洋 發自廣州

    世間之事,無外乎此消彼長。

    四肖期期中准天天中码ZAIGUOMINCAIFUGUANLIDEJIYIZHONG,YINXINGYEYUGUSHIZONGYOUZHUSHUOBUQINGDEAIMEIGUANLIAN。GUSHIHUANSHIYINXING?ZHISHAOSHINIANQIAN,ZISHENTOUZIZHELAOHEBINGBUWEIZIJIDEXUANZEGANDAOJIUJIE。CONGTARUSHIBOSHADAOTUOSHENSHANGANDEWANGSHIPIANDUANBUNANKANCHU,MEIYICIZIGUANDEBIANGE,BUJINJUEDINGZHULICAIJIGOUZHUANXINGDEFANGXIANG,YEGUANHUTOUZIZHEMENDEJUEZEHEMENGXIANG。

    9YUE28RI,YINBAOJIANHUIZHENGSHIFABULE《SHANGYEYINXINGLICAIYEWUJIANDUGUANLIBANFA》(XIACHENG“LICAIXINGUI”)。LICAIXINGUIBUJINDUIZHIZHIFEIBIAOZICHANHEQIANTAOTOUZIDENGGUJIZHILI,YEBAOKUOBIAONEIWAIYEWUDEZHUANHUANHELICAIZIGONGSIGUANLIDEWEILAI。QIZHONGBAOSHOUGUANZHUDE,MOGUOYUJIANGTOUZIMENJIANJIANGDIZHI1WANYUAN,BINGYUNXUYINXINGGONGMULICAITONGGUOGONGMUJIJINTOUZIGUSHIDEGUIDING。

    四肖期期中准天天中码JIEZHI2017NIANDI,WOGUOYINXINGLICAICHANPINCUNXUYUEGUIMODADAO29.54WANYIYUAN,DANGZHESOUCAIFUJUJIANJINYIBUXIANGGUSHIKAOLONGSHI,TOUZISHICHANGDEREQINGYESUIZHIDIANRAN。

    WUHANKEJIDAXUEJINRONGZHENGQUANSUOSUOCHANGDONGDENGXINRENWEI,YINXINGLICAICHANPINDESHIYONGMIANTUOKUANZHIHOU,KEYITIGONGGENGDUOYANGHUADELICAIFUWUHEXUANZE,YESHIAGUSHICHANGQUSANHUHUA、ZOUXIANGJIGOUHUADEJUDAZHULI。

    四肖期期中准天天中码“DANSHITONGGUOYINXINGZIJINYINLIU,TIGAOGUSHILIUDONGXINGDESHUOFAZESHISHICHANGGUOFENDEJIEDU。”ZHONGGUORENMINDAXUECAIZHENGJINRONGXUEYUANFUYUANCHANGZHAOXIJUNBIAOSHI。

    十年一覺:國民財富投資夢

    四肖期期中准天天中码2007NIAN5YUE28RI,ZHONGGUOGUSHIDEKAIHURENSHUDADAO1YI,CHENGWEIJUMINLICAIXIGUANCONGCHUXUDAOTOUZIZHUANBIANDEGUANJIANJIEDIAN。

    SHIZHIJINRI,LAOHEHUANNENGQINGXIDIJIQIBISHIZHENGQUANYINGYEDATINGLILIEHUOPENGYOUBANDESHENGKUANG——PAIDUIKAIHUDEGUMINDUIWUWANYANLEJIBAIMI。ZUOWEIQIZHONGYIYUAN,LAOHEZONGYAOBUSHIDIANQIJIAOWANGXIANGTINGNEIDEDAPINGMU。MEIDANGHECAISHENGHEZHANGSHENGSUIZHUSHANGZHENGZHISHUBUDUANGAOYANG,TABIANHUIXIAYISHIDIZUANZHUZIJIDECUNZHE。

    2007NIAN10YUE16RI,ZHEGENGUOMINCAIFUZHANGWENZHONGDESHENGMINGXIANJIARANERZHI,DINGGEZAI6124ZHEGESHUZISHANG。

    四肖期期中准天天中码DIERNIANKAICHUN,ZAINEICHANGHANJIANDEHANCHAOXIJUANZHENGGENANFANGSHI,YIZHIHEITIANEQIAORANCONGGUSHIFEICHU,CHENGWEITOUZIZHEMENBUKANHUISHOUDEMENGYAN。“YINIANSHIJIAN,DAPANDIANSHUCONGLISHIXINGAODAO1664,RANGWODAOXIANZAIDOUMEIYOUHUIBEN。”NIANJINLIUXUNDELAOHESHENQINGYOUXIEFUZA:“ZUICHUBAOZHUMAIBENCHIDEXIANGFARUSHI,ZUIHOUDAOSHOUDEQUESHIYILIANGXIALI。”

    2009NIAN2YUE,JUSHEKEYUANJINRONGYANJIUSUOFABUDE《2008NIANYINXINGLICAICHANPINPINGJIABAOGAO》TONGJI,GAINIAN56JIASHANGYEYINXINGGONGFAXINGYINXINGLICAICHANPIN4456KUAN,YUANGAOYU2007NIANDESHULIANG,PINGJUNWEITUOQIXIANWEI0.49NIAN,QIWANGSHOUYIZHIHEFENGXIANZHIFENBIEWEI4.08%HE3.3%。

    ZHIDEYITIDESHI,2008NIANQUANNIANSHANGYEYINXINGLICAIYEWUDEMUJIJINEDADAOLE3.7WANYIYUAN,YU2007NIANBUZU0.9WANYIYUANXIANGBI,ZENGFUCHAOGUOLE300%。CISHIJULI2004NIAN2YUE2RI,GUONEISHOUZHIWAIBILICAICHANPIN“YANGGUANGLICAIAJIHUA”HESHOUZHIRENMINBILICAICHANPIN“YANGGUANGLICAIBJIHUA”ZHENGSHIMIANSHI,JINGUOQUBUDAOSANNIANBAN。

    四肖期期中准天天中码CIHOUJINIANJIAN,KAIZHUXIALIDELAOHE,MUDEDIYECONGZHENGQUANYINGYETINGBIANCHENGLEYINXINGLICAIQIANTAI。

    2008NIAN9YUEDAO2011NIAN11YUE,YUANYINJIANHUILIANFASHIDAOJINWEN,YIXIANZHILICAICHANPINDEYEMANSHENGCHANG。DAN2011–2015NIANDESINIANJIAN,YINXINGLICAIGUIMONIANFUHEZENGCHANGLVRENGZAI50%YISHANG。ZAILICAISHICHANGRIYIZHUANGDADETONGSHI,TONGGUOGANGXINGDUIFUHEQIXIANCUOPEIKUOYUANDEZIJINLIU,YEYIKAOXINTUOTONGDAOJINRUGEZHONGBIAOWAIFEIBIAOYEWU,GANGGANHEHUOBILIUDONGXINGFENGXIANYEZAISUIZHIZENGCHANG。

    “WOJIDE2013NIANGOUMAIXINTUOCHANPINSHI,LILVYIJINGCHAOGUOLE6%。NEIDUANSHIJIAN,SHENBIANYELUXUYOUPENGYOUKAISHIGUANZHUYINXINGLICAICHANPIN。”LAOHESHUO,NEISHITALICAIJIYIZHONGWEISHUBUDUODEGAOGUANGSHIKE。

    五年蝶變:理財行業迎來大資管時代

    RIGUANGDIXIAWUXINSHI。

    2013NIAN6YUE,DANGLAOHEQINGXINGZIJICONGGUSHITUOSHENSHI,YICHANGZUYIZAIRUSHICEDEYINXINGYESHIBIANZHENGZAIYUNNIANGZHIZHONG。GAINIAN6YUE20RI,YINXINGJIANGEYEHUIGOULILVZUIGAODADAO30%,7TIANHUIGOULVZUIGAODADAO28%。YENEIJIANGZHEYISHIJIANCHENGZHIWEI“YINXINGJIANHUFANGGAOLIDAI”,JISUOWEIDE“QIANHUANG”FENGBO。

    “TONGCHANGYINXINGLICAICHANPINDELILVBIANHUAYOUGEGUILV。”MOUGUOYOUYINXINGLICAIGUWENHUYUANSHUO,“YINXINGJIANGJIUYIGEKAIMENHONG,1–3YUEFENLANCUNDESHIHOU,LILVHUIBIPINGCHANGGENGGAO,7–10YUEFENSHIYINXINGDANJI,LILVPUBIANJIAODI,ERQIEGUOYOUXINGDELILVHUIBIGUFENZHIYINXINGGENGDIYIDIAN。”

    四肖期期中准天天中码CIHOULIANGNIANJIAN,YINXINGDEGAOGANGGANCHANGWAIPEIZIJIANGGUSHIZAICITUIXIANGGAOWEI。JINRU2014NIAN,LAOHEDEXIANGFAKAISHISONGDONG,JUEXINBACHOUMAZAICIFANGDAODUZHUOSHANG,“SHUODAODI,HUANSHINAIBUZHUJIMO。”TAXIAOZHUSHUODAO。

    2015NIANCHUKAISHI,YIWANTOUZIZHEDEXINTIAOZAICISUIZHUSHANGZHENGZHISHUDESHANGYANGERJIASU。2015NIAN6YUE12RI,LAOHEKANZHU5178ZHEGESHUZIHEZIJIFANBEIDEZICHAN,SHIGEQINIAN,TAYOUYICIMENGJIANLEBENCHICHEDEYAOCHI。

    RUMENGRUHUANYUE,RUOJIRUOLIHUA。

    SUIHOU72TIANDEAGUJUBIANRANGLAOHECHEDIMINGBAILEJINGHUASHUIYUEDEDAOLI。“SUIRANYOULE2008NIANDEJINGYANJIZAOTUOSHEN,DANHUANSHIJINGCHULEYISHENLENGHAN。”LAOHESHUO,“CONGNEIYIHOU,WOJIUZHIMAIYINXINGLICAICHANPIN,YEQUANSHENBIANCHAOGUDEPENGYOUSHANGAN,NINGKESHAOZHUAN。”

    四肖期期中准天天中码“QUEFAZHUANYEXINGZHISHIDETOUZIZHEKENENGBINGBUQINGCHUZIJIDETOUZIXUQIUHEMUDE。”ZHAOXIJUNZHICHU,“YINERWANGWANGYAOTONGGUOSHICHANGDEKAOYAN,CAINENGMINGQUEZIJIDEFENGXIANPIANHAO,HUIZAIYINXINGLICAIHEGUSHIZHIJIANZUOYIGEXUANZE,BUZHIYUMANGMUGENFENG。”

    四肖期期中准天天中码2015NIANDEJINRONGJUFENGRANGZIGUANYEWUDEJIANGUANJINGZHONGKAISHICHANGMING。

    JUTONGJI,2017NIANGEJIYINJIANBUMENGONGPILU2451ZHANGFADAN,HEJIFAKUAN26.98YIYUAN。JIEZHI2017NIANNIANDI,QUANGUOYINXINGYELICAICHANPINCUNXUYUE29.54WANYIYUAN,TONGBIZENGCHANG1.69%。ZAIQUGANGGANHEJIANGUANQUYANDEBEIJINGXIA,YINXINGLICAIKUANGBENWUNIANDEBUFADEYIFANGHUAN。

    2017NIAN11YUE17RIWANJIAN,RENMINYINXING、YINJIANHUIBAOJIANHUI(XIANYIHEBINGWEIYINBAOJIAN)、ZHENGJIANHUI、WAIHUIJUCHUTAI《GUANYUGUIFANJINRONGJIGOUZICHANGUANLIYEWUDEZHIDAOYIJIAN(ZHENGQIUYIJIANGAO)》。JINNIAN4YUE28RI,《GUANYUGUIFANJINRONGJIGOUZICHANGUANLIYEWUDEZHIDAOYIJIAN》ZHENGSHIFABU,JINRONGQUANQIAOSHOUYIPANDE“DAZIGUANXINGUI”LUOXIALEDIYIZHIXUEZI。

    “DAZIGUANXINGUIDUIJINRONGSHICHANGTICHULETONGYIDEBIAOZHUN。”ZHAOXIJUNBIAOSHI,“DANFENJIEDUANDEDIAOZHENGXUYAOYIGEGUODUQI,9YUE28RICHUTAIDELICAIXINGUISHICONGYINXINGLICAICHANPINDEJIAODU,DUIDAZIGUANXINGUIKUANGJIADEWANSHANHEBUCHONG。”

    四肖期期中准天天中码ZHESOUJIN30WANYIYUANDEYINXINGLICAIJUJIANJIANGKAIPIXINHANGLU。

    回歸本源:銀行理財業務的未來

    TIANXIAXIXI,JIEWEILILAI。

    四肖期期中准天天中码5NIANQIAN,YUEBAOYI1YUANQITOUDEFANGSHIQIANGSHIRUJU,RANGZHONGDUOGONGMUJIJINBUDEBUDIAODIMENJIANLAIYINGZHAN。BAIJUGUOXI,RUJINDEYINXINGLICAITONGYANGMIANLINZHUZHUANXING。

    9YUE30RI,JIANSHEYINXINGYIZHIGONGGAOJIANG“QIANYUAN—HUIXIANG”(JIJIFU)KAIFANGSHIJINGZHIXINGRENMINBILICAICHANPINSHOUCIYOU5WANYUANXIADIAOZHI1WANYUAN,CHENGWEILICAIXINGUITUICHUYILAI,SHOUZHIJIANGDITOUZIMENJIANDEYINXINGLICAICHANPIN。GEGEYINXINGLUXUGENJIN。NONGYEYINXINGXUANBU10YUE1RIQIDIAOZHENG43ZHILICAICHANPINDEXIAOSHOUQIDIAN;JIAOTONGYINXINGZEXUANBU10YUE8RIQI,DIAOZHENG23KUANLICAICHANPINHE16KUANJIEGOUXINGCUNKUANCHANPIN。

    四肖期期中准天天中码10YUE11RI,YINBAOJIANHUIXIANGGUANFUZERENTOULU,JIANGYAOCHUTAIDELICAIZIGONGSIYEWUGUIZEZHONG,JIANGBUZAIQIANGZHIYAOQIUGERENSHOUCIGOUMAISHIMIANQIAN,XIAOSHOUQIDIANYEYOUWANGCONG1WANYUANJINYIBUXIADIAO。

    ZAILICAIXINGYEZHONG,LILVYIZHISHIGONGXULIANGDUANZUIKANZHONGDEYINSU。“LICAIDEFENGXIANSHIYOUDE,LAOKEHUDEFENGXIANPIANHAOJIAOGAO,ZHEYESHIGEXUNXUJIANJINDEGUOCHENG。”HUYUANBIAOSHI,“XIANZAIGOUMAILICAICHANPINYILAONIANRENJUDUO,BENZHUANQUANXINGDEKAOLV,WOMENHUIGENGDUODITUIJIANBAOBENLEIDELICAICHANPIN。DANZUIZHONGHUANSHIJUEDINGYULILV。”

    四肖期期中准天天中码CONGQUNIANKAISHI,LAOHEZAIGOUMAICHANPINDESHIHOUFAJUE,LICAIXIAOSHOUSIHUBUZAIYONGGANGXINGDUIFULAIZUODANBAOLE。“YIQIANZAITUIXIAOCHANPINSHI,JIBIANHETONGSHANGMEIYOUSHUOMING,DANXIAOSHOUHUIZUOCHUBAOBENBAOXIDECHENGNUO,”MOUSHANGYEYINXINGLICAICHANPINXIAOSHOURENYUANSHENYOUGANCHU,“DANXINGUICHUTAIHOU,ZHEYIXINGYEQIANGUIZESHIBUZHUNZAITILE。”

    四肖期期中准天天中码DONGDENGXINRENWEI,CICIXINGUICHUTAIBEISHOUGUANZHU,HENDACHENGDUSHANGSHIYINWEIYINXINGSHOUCIJIANGZIJIDELICAICHANPINYOUBIEYUQITAJINRONGJIGOUDECHANPIN,RANGLICAIYEWUHUIGUIBENYUAN。“DAPOGANGXINGDUIFUDEBENYI,SHIXIWANGTIGAOTOUZIZHEFENGXIANGUANKONGDEYISHI,YESHIWEILERANGCUNLIANGGUANLIHEZENGLIANGDEBIAOWAIZHUANBIAONEIGENGJIAGUIFANHUA。”

    四肖期期中准天天中码YUZHIXIANGDUIDESHIYINXINGFEIBAOBENLICAICHANPINYUEDEHUANMANSHANGSHENG。YINBAOJIANHUIPILUDESHUJUXIANSHI,JINNIAN5YUEMOZHI8YUEMO,ZHEYISHUZIFENBIEWEI22.28WANYIYUAN、21WANYIYUAN、21.97WANYIYUANHE22.32WANYIYUAN。KEYIKANCHU,SHICHANGZHUJIANCONGZIGUANXINGUIDECHONGJIXIASUXING。

    四肖期期中准天天中码“SHISHISHANG,RUGUOTOUZIZHEZAIFENGXIANPIANHAOSHANGXUANZELEGUSHI,YEMEIBIYAOTONGGUOYINXINGZHEYICENG。QICI,YIWANGYINXINGSHUXIDELICAIYEWUGENGDUOJIZHONGZAIGUDINGSHOUYIHEHUOBIJIJINSHICHANGSHANG,XIANGDUIQUEFAZHUANYEPEIZHIGUSHIDERENLIZIYUAN,SUOYIDUIGUSHIYEBUHUIZAOCHENGWAIJIEJIEDUDEHOUGUO。”ZHAOXIJUNBIAOSHI。

    四肖期期中准天天中码XINGYELENGNUAN,XIAOSHOUZIZHI。“JINNIANYILAIDEXIAOSHOUYEJIHENHAO,ZAIWOMENYINXINGXINZENGCUNLIANGZHONG,LICAICHANPINZHANDAOYUESICHENG。”MOUGUOYOUYINXINGZHIXINGDELICAIXIAOSHOURENYUANBIAOSHI,BUGUOTAYETANCHENG,“MUQIANLAIKAN,GOUMAIDINGQILICAIHEYUELICAIDEKEHUGENGDUO,KENENGYESHIGUSHIXINGQINGQIANJIA,ZUIJINJIEDAIDEKEHUMINGXIANZENGJIALE。”

    DONGDENGXINBIAOSHI,LICAIHEGUSHIZHIJIANDEGUANXI,FANYINGDESHITOUZIZHEJIEGOUZHUANHUAN。“YIYINXINGLICAIWEIDAIBIAODEZIGUANLEICHANPIN,SHIBASANHUDETOUZIBIANCHENGLEJIHETOUZI,ZAITOUZIZONGLIANGSHANGMEIYOUTAIDABIANHUA。”

    ZUOWEITOUZIJINZITAZUIJIANGUDEDIZUO,YINXINGLICAIYIZHISHICHENGDANZHUZHONGGUOJIATINGDICENGDECAIFUMENGXIANG。

    四肖期期中准天天中码“RENLAOLEZONGYAOFUSHU。”LAOHEDIANLEYIZHIYAN,YANSHENLIDELUOMOXIANLUWUYI,“ZHEMEDUONIANYEXIANGQINGCHULE,NIANQINGDESHIHOUGANHEFENGXIANDUIDU,XIANZAIZHETENGBUDONGLE,HUANSHIYAOBAQIANFANGJINYINXINGLIDE。”

    CONGYEMANSHENGCHANGDAOHUIGUILIXING,ZAIYIJINGKAIQIDEDAZIGUANSHIDAI,MIANDUITOUZISHOUYIHEFENGXIANZHEGETONGYIDEMAODUNTI,YINXINGLICAIZHUANXINGDEWEILAIRENGSHIDAOZUQIECHANG。

    (WENZHONGLAOHE、HUYUANWEIHUAMING)

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  • 四肖期期中准天天中码 SHANGRENHOU,LIQIANGLIZHUAXINGZHENGSHENPIZHIDUGAIGE,XIWANGTONGGUOZHIDINGQUANLIQINGDAN,JIEJUEZHENGFUGUANDEGUODUODEWENTI。SHIBAJIESANZHONGQUANHUIJUEDINGTUIXINGDIFANGZHENGFUJIBUMENQUANLIQINGDANZHIDU,RANGZHEJIANGDEZHEXIANGGONGZUOZHENGSHITISHANGRICHENG。

    QUANGUOSHUINIWANGSHUJUXIANSHI,11YUECHUQUANGUOSHUINIJIAGEZHISHUWEI153.46,YUEMOWEI163.91,HUANBIDAZHANG7.12%。JIEZHI12YUE6RI,QUANGUOSHUINIJIAGEZHISHUYIJINGSHANGZHANGZHI165.67。

    JIEZHIFAGAO,GUOJIAGUANWANGGONGSIDEZHUCEXINXIBINGWEIDUIWAIFABU。YEJIEPUBIANYUJI,GUOJIAGUANWANGGONGSIGUZHIYUJIZAI3000YI―5000YIYUANZHIJIAN。

    JIEZHI12YUE9RI,SIJIDUYIYOUBAIYUCHENGDUIFANGDICHANSHICHANGJINXINGLE154CIZHENGCEDIAOZHENG。QIZHONG,ZHENGCEZHIZHILOUSHIQIEZUIWEIYINRENZHUMUDEGONG13DI,BAOKUOSHENZHEN、FOSHAN、ZHENGZHOU、CHENGDOU、HEILONGJIANG、MAANSHAN、SHANGHAILINGANG、NANJINGDENG。

    TILIANGJUDA、WENTIYEBUSHAO,JIAOTONGYONGJI、QUEFAPEITAOCONGLAIDOUSHICHAOJIDAPANDETONGBING。DANZHEXIEWEIYUCHENGJIAODEQIANYIYUANXIAOQU,QUECHENGLEHUAICHUAIMENGXIANGTAJINDACHENGSHIDEXINYIMINZHIYESHOUXUANDI,SHUBAIWANQINGNIANDEMENGXIANGYECONGZHELIKAIHUAJIEGUO。

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