There are two situations, as follows:
1, positive (that is, bullish): news and factors that are beneficial to bulls and can stimulate the stock price to rise. For example, cutting interest rates is beneficial to the real estate sector. For example, from June 7, 2002 to June 7, 2065438, the central bank lowered the benchmark interest rate for deposits and loans by 0.25 percentage points, and the real estate sector collectively rose by more than 1% the next day. Good (that is, bullish) is beneficial to bulls and can stimulate stock prices to rise. The specific manifestations of bullish are the increase of company profits and dividends, the improvement of company operating conditions and the reduction of interest rates.
2. Bad times: factors and news that are beneficial to bears and can lead to a decline in stock prices. For example, on 20 10/0,65438+10, 12, the central bank announced that it would raise the RMB deposit reserve ratio of deposit-taking financial institutions by 0.5 percentage points, resulting in a 2.8% drop in the Shanghai Composite Index and a 2.97% drop in the Shenzhen Component Index on 13. Bad news can lead to stock price decline, such as the deterioration of operating performance of listed companies, bank tightening, bank interest rate increase, economic recession, inflation, natural and man-made disasters and other political, economic, military, diplomatic and other adverse news that leads to stock price decline.
1. Definition: Wealth management products are products designed and issued by commercial banks and formal financial institutions. After the raised funds are put into the relevant financial market according to the product contract and the relevant financial products are purchased, they are distributed to investors according to the contract. The China Banking Regulatory Commission issued the Interim Measures for the Management of the Sales of Wealth Management Products of Wealth Management Companies, which strengthened the management of the sales process of wealth management products, clarified a number of prohibited acts in the sales process of wealth management products, and effectively protected the legitimate rights and interests of investors. These Measures shall come into force on June 27th, 20021year.
Two. Classification: RMB wealth management products of banks can be roughly divided into bond type, trust type, linked type and QDII type.
1, bond type, invested in the money market, and the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.
2. Trust types: trust products that are guaranteed or repurchased by commercial banks or other financial institutions with high credit ratings, and products that are invested in the trust of beneficial rights of excellent credit assets of commercial banks.
3. Linked type, the final yield of products is linked to the performance of relevant markets or products, such as linked to exchange rate, linked to interest rate, linked to international gold price, linked to international crude oil price, linked to Dow Jones index, linked to Hong Kong stocks, etc.
4.QDII, the so-called QDII, that is, qualified domestic investment institutions manage overseas wealth on behalf of customers, refers to commercial banks that have obtained the qualification to manage overseas wealth on behalf of customers. QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.
3. Purchase channel: Generally, wealth management products can be purchased through commercial banks or non-bank financial institutions. Traditional channels include banks, insurance companies, securities companies, futures companies and fund companies. Emerging channels include: third-party financial institutions and integrated financial service institutions.