In our daily study, work or life, we always have to contact or use certificates. According to different purposes, the types of certificates are also different. What problems should be paid attention to in the proof? The following is how to withdraw the provident fund without a certificate of separation after it is sealed. Welcome to learn from it, I hope it will help you.
How can I withdraw the provident fund without a certificate of resignation after it is sealed?
Resignation from the company, the company did not provide proof of resignation. Housing provident fund cannot be withdrawn, but it can be transferred out.
According to Article 24 of the Regulations on the Management of Housing Provident Fund, resignation does not belong to the scope of extractable provident fund.
From the month when the company leaves the company, if it leaves the company at the full moon, it will be sealed when the company handles the provident fund next month. If there is no full moon, the provident fund will be sealed in the month of resignation. From the month when the company leaves the company, if it leaves the company at the full moon, it will be sealed when the company handles the provident fund next month. If there is no full moon, the provident fund will be sealed in the month of resignation.
1. Go back to the personnel department of the original unit to find the resignation certificate, copy it and stamp it with the official seal, and handle the resignation withdrawal with the ID card and the photocopy of the resignation certificate stamped with the official seal and the savings card or passbook of the local account normally used in the name.
2. If you can't go back to your original unit to get a copy of your resignation, you can refer to the situation that you have been unemployed for more than two years and your family life is seriously difficult.
Materials required for employees to withdraw housing provident fund after leaving the company.
1, original and photocopy of household registration certificate;
2. The original and photocopy of the certificate of termination of labor relations;
3. The original and photocopy of the employee ID card shall be used to extract the provident fund;
4, provident fund from the employee's own bank savings account.
If I still work in the local area after leaving my job, how can I transfer my provident fund?
From municipal management to municipal management: the provident fund account of the original unit will be merged with the new unit.
From municipal management to state management: individuals provide bank inquiry forms (the bank where the provident fund card is located) and submit them to the original unit, which will handle the transfer procedures.
Transfer from state management to state management: the provident fund account of the original unit will be merged with the new unit.
State-owned provident fund is transferred to municipal management: after the state-owned management unit leaves office, the state-owned provident fund is divided into two sealed States. (Internal seal of the unit, centralized seal of national management)
The internal seal of the unit refers to handing over the "Employee Transfer Account Opening Certificate" issued by the municipal management to the original state management unit, and the original state management unit will go to the bank to transfer funds; The centralized storage of state management means that the original and photocopy of the account opening certificate and ID card issued by the municipal management will be handed over to the bank designated by the current company for fund transfer.
Transfer to other city provident fund accounts after leaving the company.
If the purchaser who works in a foreign unit has established a housing provident fund account, all the money in the local provident fund account can be transferred to the foreign housing provident fund account, and the purchaser should provide relevant materials to the original unit and go to the account management department through the fund manager of the original unit.
After the buyer leaves his job, he goes to work in other cities. The materials required for the transfer of provident fund include: the certificate of receiving the transferred unit, the certificate of establishing housing provident fund in the transfer place, the card number of the transfer bank, the name of the bank and a copy of the employee's ID card.
Brief introduction of provident fund
Provident fund is an important part of shareholders' rights and interests, including capital reserve and surplus reserve.
Capital reserve refers to the part of capital invested by shareholders, but it cannot constitute "share capital" or "paid-in capital", mainly including share capital premium, donated physical assets, exchange gains and losses of invested capital, revaluation and appreciation of legal property, investment reserve, etc. Capital reserve has two main purposes, one is to increase capital, and the other is to make up for losses.
Surplus reserve refers to all kinds of accumulated funds drawn from net profit by the company according to regulations. Surplus reserve is divided into public welfare fund and general surplus reserve according to different purposes. The public welfare fund is specially used for the expenditure of the company's employee welfare facilities. According to the current regulations, listed companies draw the statutory public welfare fund at the ratio of 5% to 10% of after-tax profits.
General surplus reserves are divided into two types:
The first is the statutory surplus reserve. The statutory surplus reserve of listed companies shall be drawn at 10% of after-tax profits, and shall not be drawn when the cumulative amount of statutory surplus reserve reaches 50% of the registered capital.
The second is the discretionary surplus reserve. Arbitrary surplus reserve is mainly drawn by listed companies according to the resolution of shareholders' meeting.
The difference between statutory surplus reserve and arbitrary surplus reserve lies in the different basis of their respective provision. The former is extracted according to national laws or administrative regulations; The latter is extracted by the company itself.
The company's surplus reserve can be mainly used in the following two aspects:
(1) is used to make up for the loss. When the company loses money, it shall make up for it by itself. There are three main ways to make up for the loss: one is to make up for it with the pre-tax profit of the following year. According to the current system, when a company loses money, it can make up for it with the pre-tax profit realized in the next five years, that is, the period for making up for the loss with the pre-tax profit is five years. The second is to make up for it with after-tax profits in the following years. If the losses incurred by the company have not been fully recovered in five years, the profits after income tax shall be used to recover the unrecovered losses. The third is to use surplus reserves to make up for losses. When the company uses the extracted surplus reserve to make up the losses, it shall be proposed by the board of directors of the company and approved by the shareholders' meeting.
(2) Capitalization, the so-called "red shares". When the company converts surplus reserve into capital, it must be approved by the shareholders' meeting. When the surplus reserve is actually converted into capital, it shall be carried forward according to the original shareholding ratio of shareholders. When the surplus reserve is converted into share capital, the surplus reserve retained after the conversion shall not be less than 25% of the registered capital.
What does the Shanghai Composite Index mean? What is the Shanghai Composite Index?
The Shanghai Composite Index can be roughly divided into the following four categories: 16:
1. Four sample indices (1. Shanghai and Shenzhen 300 2. SSE 180 3. Shanghai stock exchange 50 4. Dividend index)
2. Two comprehensive indexes (1. Shanghai Composite Index II. New composite index)
3. There are 7 categories of classified indexes (1. A-share index 2. B share index 3. Industrial index 4. Business index 5. Real estate index 6. Public index 7. Composite index).
Four, the other three indicators (1. Fund index 2. Government bond index 3. Corporate bond index)
In a narrow sense, it refers to the Shanghai Composite Index. Its sample stocks are all listed stocks, including A shares and B shares, which generally reflect the changes in the prices of listed stocks on the Shanghai Stock Exchange. It was officially released on July 199 15.
The full name of Shanghai Stock Exchange Composite Stock Index is Shanghai Stock Exchange Composite Stock Index, which is a statistical index commonly used at home and abroad to reflect the overall trend of Shanghai stock market.
Shanghai Stock Exchange reorganizes Shanghai Stock Exchange, which was released on July 199 15. The cancellation number of Shanghai Stock Exchange is in "point" and the base date is 1990 12 19. The benchmark date is 100. With the continuous development of Shanghai stock market, Shanghai A-share index and Shanghai B-share index were added on February 2 1 and February 2 1992 to reflect the respective trends of different stocks (A-share and B-share). On June 1993 and 1 day, the Shanghai Stock Exchange's sub-indices were added, namely, industrial index, commercial index, real estate index, public utility index and comprehensive industry index, to reflect the respective trends of stocks in different industries. So far, the Shanghai Stock Exchange Index has developed into a series of stock price indexes including comprehensive stock price index, A-share index, B-share index and sub-index.
Calculation formula of Shanghai Composite Index
The Shanghai Composite Index is a weighted composite stock price index based on the number of shares issued during the reporting period and calculated by licensing formula.
Index of reporting period = (total market value of sampled stocks in reporting period/total market value of sampled stocks on benchmark date) × 100.
Total market value = ∑ (market value × number of shares issued), in which the total market value of sample stocks on the base date is also called divisor.
What do you mean by concept stocks? What is a concept stock?
Concept stocks refer to stocks with special connotations, which are usually regarded as the subject of stock selection and speculation, and become a hot spot in the stock market. It has a specific name, thing, theme, etc. For example, financial stocks, real estate stocks, asset restructuring stocks, brokerage stocks, Olympic theme stocks, insurance stocks, futures concepts, etc. are all called concept stocks. Simply put, concept stocks are pre-speculation on the growth of operating performance in the industry where stocks are located.
1. Concept stocks support prices by a certain theme, such as the concept of asset restructuring and the concept of three links. Chinese concept stocks are the names of all China stocks listed overseas by foreign investors, because they are optimistic about China's economic growth. It has also been said that Chinese concept stocks "are all fabricated lies, just to make people believe their lies".
2. Concept stocks are relative to blue chip stocks. Blue-chip stocks need good performance support. Concept stocks rely on a certain theme, such as the concept of asset reorganization and the concept of three links to support prices.
The concept of stock market was originally a general term for a class of stocks with the same characteristics. For example, the Olympic concept refers to a group of companies that have business opportunities to host the Olympic Games. There are many such concepts, such as network concept, 3G concept, WTO concept, biomedicine concept, whole listing concept, stock index futures concept ... But in the stock market, the inner meaning of the concept is not only a generalization of a certain stock category, but its extended meaning is a kind of market knowledge. For example, the concept of network, before the network became a concept, the stocks involved in the Internet could only be called plates at best, which was a neutral definition, but the meaning of becoming a concept changed. This concept is a relatively positive investment knowledge. Investors will make very detailed analysis and research on the industry background, investment opportunities and future prospects of concept stocks, and they are not always confident to report them.
The concept of stock market has a very powerful advertising effect. A stock itself may not be very attractive, but once it is included in a concept, it will be closely watched by all investors. For example, Shanghai Meilin (600073) was a canning company in the early days, and later some products such as mineral water were produced. The performance was mediocre and the industry was outdated. Few investors paid attention to this company. 1999, the company became a network concept stock, and did open an e-commerce website, mainly selling its mineral water. So this stock immediately became the focus of attention in the stock market.
What do you mean by location? What is a position?
1. position, also known as "head lining", which means money, is a popular term in financial and commercial circles. If the bank's income exceeds its expenditure in all the receipts and payments of the day, it is called "multi-position", and the expenditure exceeds its income, it is called "short position". The behavior of predicting the number and number of such positions is called "rolling positions". The act of trying to transfer funds everywhere is called "loose position" if the temporarily unused amount of funds is greater than the required amount, and "tight position" if the required amount of funds is greater than the idle amount.
2. Holding positions is a common word in the financial industry, which is often used in finance, securities, stocks and futures trading.
For example, when futures trading opens, the positions held after buying futures contracts are called long positions, referred to as long positions; The positions held after selling futures contracts are called short positions, referred to as short positions. The difference between open long contracts and open short contracts is called net position. This only exists in futures trading, but not in spot trading.
In foreign exchange transactions, "opening a position" means opening a position. Opening a position, also known as exposure, is the act of buying one currency and selling another. After the opening, one currency is long (long) and the other currency is short (short). Choosing the right exchange rate level and the timing of opening positions are the premise of profit. If the timing of entering the market is good, the chances of profit will be great; On the other hand, if the timing of entering the market is improper, it is prone to losses. Net position refers to the trading difference between one currency and another after the opening.
In addition, there are statements from the financial industry, such as tying positions and borrowing positions.
There are many kinds of holding dates: the first holding date (the first day of futures delivery process) and so on, most of which refer to the day when money is used.
3. Location has two meanings.
(1), [money market]: China used to refer to banks and money owned by banks. Overpayment means multiple positions, underpayment means multiple positions, clearing the difference between receipt and payment means rolling (ga) positions, and borrowing to make up the difference means opening positions.
(2) [Cash]: refers to the amount of money circulating in the market, that is, the money supply. For example, money is loose, money is tight, and positions are tight. Usually refers to the second kind, that is, the amount of cash.
What does the Dow Jones index mean? What is the Dow Jones index?
Dow-Jones Index
Dow Jones index is an arithmetic average stock price index.
Dow Jones index is the oldest stock index in the world, and its full name is the average stock price index. Generally speaking, the Dow Jones index may refer to the first of the four groups of the Dow Jones Industrial Average.
The Dow Jones index was first compiled by charles dow, the founder of Dow Jones Company, in 1884. Its original Dow Jones stock price average index is based on 1 1 representative railway companies, which is calculated and compiled by arithmetic average method and published in the Daily Communication edited and published by charles dow himself. Its calculation formula is:
Average share price = sum of selected stock prices/number of selected stocks.
The index aims to reflect the overall trend of the US stock market, covering finance, technology, entertainment, retail and other industries. At present, the Dow Jones Industrial Average is maintained by the editorial department of the Wall Street Journal. The selection criteria of its constituent stocks include sustainable development, large scale, outstanding reputation, industry representation and being sought after by most investors. At present, 30 constituent stocks in the Dow Jones Industrial Average are representatives of blue-chip stocks in the United States. The subtle change of this mysterious index has brought panic or ecstasy to hundreds of millions of people. It is no longer an ordinary financial indicator, but a code name of the world financial culture. What is the Dow Jones index? Charles Henry Dow, a small farmer who only attended primary school, became an excellent financial reporter through self-study. Edward Davis Jones, a graduate of Brown University, has a bad temper, as his red beard shows. Charles milford Bergstreiser lost the chance to go down in history forever because of his long surname.
The Dow Jones index, the Dow Jones stock average price index, is the most influential and widely used stock index in the world. It is based on some representative company stocks listed on the new york Stock Exchange, and consists of four stock price average indexes, namely:
(1) Dow Jones Industrial Average, which is compiled for the stocks of 30 famous industrial companies;
(2) Dow Jones Transportation Stock Average Index compiled for 20 famous transportation companies;
(3) Dow Jones public utility stock price average index based on the stocks of six famous public utility companies;
(4) Dow Jones stock average price index, which is based on the stocks of 56 companies involved in the above three stock average price indexes.
Among the four Dow Jones stock price indexes, the Dow Jones Industrial Average is the most famous, widely reported by the mass media, and cited as the representative of the Dow Jones index. The Dow Jones index was compiled and published by Dow Jones Company, an American newspaper group, and published in its subordinate Wall Street Journal. The Dow Jones index was first published on July 3rd, 1884. At that time, the index sample included 1 1 stock, which was compiled by Charles Henry Dow, one of the founders of Dow Jones Company and the first editor of The Wall Street Journal. From 1928, 10, 1, the number of sample shares has increased to 30, and has remained so far, but the company as a sample share has undergone many adjustments. Dow Jones index is an arithmetic average stock price index.
Since 1897, the average price index of Dow Jones stocks has been divided into two categories: industry and transportation. The average price index of industrial stocks includes 12 stocks, and the average price index of transportation includes 20 stocks, which has been published in the Wall Street Journal published by Dow Jones. 1929, the Dow Jones stock average price index increased public utility stocks, making it contain 65 stocks, which has continued to this day.
The current average index of Dow Jones stock price is based on 1928 10 10 month 1. Because the average value of Dow Jones stock price at the close of this day is just about 100, it is set as the base date. In the future, the percentage calculated by comparing the stock price with the benchmark date becomes the voting price index of each period, so the current stock index is generally based on points, and the rise and fall of each point of the stock index is the percentage of the rise and fall relative to the benchmark date.
The original calculation method of Dow Jones stock average index is simple arithmetic average method. When the stock is ex-dividend, the stock index will be discontinuous. After 1928, the average share price of Dow Jones changed to a new calculation method, that is, the connection technology was adopted in the ex-dividend or ex-dividend of the counted stocks to ensure the continuity of the stock index, improve the stock index and gradually spread it to the whole world.
Dow Jones index classification
Dow Jones Biotechnology Classification Index
Dow Jones healthcare supplier classification index
Dow Jones medical product classification index
Dow Jones pharmaceutical classification index
Dow Jones Stoxx 50 Index
dow jones global stock indexes
But now it is usually the first group-Dow Jones Industrial Average.
The significance of Dow Jones index
Dow Jones stock average price index is the most influential and authoritative stock index in the world at present. One of the reasons is that the stocks selected by Dow Jones stock average price index are representative, and the issuing companies of these stocks are famous companies with important influence in the industry. Their share prices have attracted the attention of the world stock market, and investors from all countries attach great importance to them. In order to maintain this feature, Dow Jones often adjusts the stocks selected by its stock price average index, and replaces those stocks that lose their representativeness with dynamic and more representative company stocks. Since 1928, 30 kinds of industrial and commercial company stocks used only to calculate the Dow Jones Industrial Average have been replaced 30 times. Almost every two years, a new company stock will replace the old company stock. The second reason is that The Wall Street Journal, the news media that publishes the Dow Jones stock average price index, is the most influential newspaper in the world financial circle. The newspaper reported in detail the average index, percentage change rate and transaction amount of each sample stock calculated by it every day and hour, and paid attention to the stock price average index after share split's correction. During the business hours of new york Stock Exchange, the Dow Jones Stock Average Price Index is published every half hour. The third reason is that this average stock price index has never stopped since its compilation, and it can be used to compare the stock market and economic development in different periods. It has become one of the most sensitive average stock price indexes reflecting the changes in the American stock market, and it is the main reference for observing market dynamics and engaging in stock investment.
However, because the Dow Jones stock index is a constituent stock index, its representativeness has been questioned and criticized by people, because it only includes a very small part of more than 2,500 listed companies, and most of them are hot stocks, excluding companies in the service industry and financial industry that have developed rapidly in recent years.
Since May 25th, 1996, the Dow Jones China Stock Index has been compiled for the China stock market. As of April 1998 and 1, 88 stocks in Shanghai and Shenzhen stock markets have been selected as their constituent stocks, so it is called the Dow Jones China 88 Stock Index.
Dow Jones index usually refers to the Dow Jones industrial average price index, which is a stock index with strong representation, wide application and outstanding function. The Dow Jones average price index of 30 industrial stocks came on May 26th, 1896.
What does ex-dividend mean? What is ex-dividend?
Ex-dividend
When issuing dividends or bonuses, stock issuing enterprises need to consult the register of shareholders and convene a general meeting of shareholders in advance, so it is stipulated that the list of registered shareholders on a certain day shall prevail, and a period after that date shall be announced as the time limit for stopping the transfer of shareholders. During the period of stopping the transfer, the dividend is still distributed to the registered old shareholders, and the holder of the newly purchased shares cannot enjoy the dividend right because of the untransferred shares, which is called ex-dividend. At the same time, the dividend payable during this period should be deducted from the stock trading price, which is ex-dividend trading.
Detailed calculation method of ex-dividend and ex-dividend
The base date can be determined after the listed company announces the dividend distribution plan for the previous year and is approved by the board of directors and the China Securities Regulatory Commission. Investors who still hold these shares after trading in date of record (including date of record) are entitled to dividends. If it is dividend cash, it is called ex-rights, and the market shows XD××；; ; If it is a bonus share or a rights issue, it is called ex-rights, and the market shows XR××；; ; If it is dividends and rights issue, it is called ex-dividend and ex-dividend, and the market shows Dr. ×××. At this time, the previous closing price displayed in the market is not the actual closing price of the previous day, but the price calculated by combining the closing price on the registration day with the cash amount of dividends, the number of rights issues and the price level of rights issues. The specific algorithm is as follows:
Calculate ex-dividend price:
Ex-dividend price = closing price on dividend registration date-cash dividend amount per share
For example, the closing price of a stock on the dividend registration date is 4. 17 yuan, and the dividend cash is 0.03 yuan per share, then the stock price on the next day is 4. 17-0.03 = 4. 14 yuan.
Calculate ex-dividend price:
Ex-dividend price after bonus shares = closing price on benchmark date ÷( 1+ number of bonus shares per share).
For example, the closing price of a stock on the registration day is 24.75 yuan, and 3 shares are sent for every 10 share, that is, the number of bonus shares per share is 0.3, then the stock price on the next day is 24.75 ÷ (1+0.3) =19.04 yuan.
Ex-dividend price after allotment = (base date closing price+allotment price × allotment quantity per share) ÷( 1+ allotment quantity per share).
For example, the closing price of a stock on the registration day is 65,438+08.00 yuan, and 65,438+00 shares are matched with 3 shares, that is, the number of allotment per share is 0.3, and the matching price is 6.00 yuan/share, then the stock price of the next day is
(18.00+6.00× 0.3) ÷ (1+0.3) =15.23 (yuan)
Calculate ex-dividend price:
Ex-dividend price = (base date closing price-dividend amount per share+allotment price × allotment amount per share) ÷( 1+ dividend amount per share+allotment amount per share).
For example, the closing price of the stock on the registration day is 20.35 yuan. For every 65,438+00 shares, a cash dividend of 4.00 yuan will be distributed, and for 65,438+0 shares, 2 shares will be distributed. The allotment price is 5.50 yuan/share, that is, 0.65,438+0 shares will be distributed with 0.2 shares, so the ex-dividend price of the next day will be (20.35.
Knowing how to calculate the stock price after ex-dividend and ex-dividend, the next step is how to buy and sell equity dividends.
After the registration date of equity dividends, dividend-paying companies should announce the start and end dates of receiving dividends through the news media, and the time limit is generally about four weeks, which is called the dividend listing time in Shanghai Stock Exchange. Investors who participate in dividends on the Shanghai Stock Exchange must sell their dividend rights in the business hall where they open an account during the dividend listing period, and then transfer the dividends to their accounts. The specific method is just like selling stocks. Enter the code, price and quantity of stock dividends in the computer self-service terminal. After the sale, the computer will automatically transfer the dividend to its capital account. In Shenzhen Stock Exchange, investors don't need to sell the dividend right, but the securities company directly transfers the dividend to shareholders. Investors who fail to sell their dividend rights for some reason during the dividend listing period of the Shanghai Stock Exchange can collect dividends from the local securities registration company with their ID card, shareholder card and capital account, and pay a certain handling fee. Investors who enjoy the rights issue of a stock, whether in Shanghai Stock Exchange or Shenzhen Stock Exchange, only need to enter the code, price, rights issue number and other information of the stock in the computer self-service terminal just like buying ordinary shares within a specified period of time, and then they can buy the rights issue. The rights issue that can be listed and traded after a period of time is called direct rights issue. There is also a rights issue that allows the listing date to be undetermined. At this time, the state or legal person holding shares is unwilling to participate in the rights issue, but transfers the rights distribution of state shares and legal person shares to social investors. In addition to the allotment payment, you should also pay the allotment handling fee, such as 0. 1 or 0.2 yuan. The rights issue of some listed companies includes both direct rights issue and transfer rights issue, and investors can choose their own proportion. Because the allowed listing date of the rights issue is uncertain, many people give up the rights issue, and the bonus shares sent by listed companies are directly transferred to shareholders' accounts after the registration date.
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