1. The average daily financial assets in the applicant's name in the first 20 trading days are not less than 5 million yuan, or the average annual personal income in the last three years is not less than 500,000 yuan.
2. Have more than 2 years investment experience in securities, funds, futures, gold and foreign exchange, or have more than 2 years experience in financial product design, investment, risk management and related work.
3 or "financial institutions established with the approval of relevant financial regulatory authorities, including securities companies, futures companies, fund management companies and their subsidiaries, commercial banks, insurance companies, trust companies, finance companies, etc." ;
Subsidiaries of securities companies, subsidiaries of futures companies and managers of private equity funds that have been filed or registered by trade associations. Qualified investors, senior managers, certified public accountants and lawyers engaged in financial-related businesses who have obtained professional qualification certification.
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Although there are many kinds of bonds, they all contain some basic elements in content. These elements refer to the basic contents that must be stated in the bonds issued, and are the main agreements that clarify the rights and obligations of creditors and debtors, including:
1. Bond face value
The face value of bonds refers to the face value of bonds, which is the principal amount that the issuer should repay to the bondholders after the maturity of bonds, and is also the calculation basis for enterprises to pay interest to bondholders on schedule. The face value of bonds is not necessarily the same as the actual issue price of bonds. If the issue price is greater than the face value, it is called premium issue; If it is lower than the face value, it is called discount; And if it is equivalent, it is called parity issue.
2. Repayment period
Bond repayment period refers to the time limit for repaying the principal of the bond stipulated by the corporate bond, that is, the time interval between the bond issuance date and the maturity date. The company should determine the repayment period of corporate bonds in combination with its own capital turnover and various factors affecting the external capital market.
3. Interest payment period
Bond interest payment period refers to the time when an enterprise pays interest after issuing bonds. It can be paid at one time, or 1 year, half a year or three months. Considering the time value of money and inflation, the interest payment period has a great influence on the actual income of bond investors. The interest of a bond that pays interest once at maturity is usually calculated at simple interest; For bonds that pay interest in installments during the year, interest shall be calculated according to compound interest.
4. coupon rate
The coupon rate of bonds refers to the ratio of bond interest to the face value of bonds, which is the calculation standard of the remuneration that the issuer promises to pay to bondholders in a certain period of time. The determination of bond coupon rate is mainly influenced by the bank interest rate, the issuer's credit status, the repayment period and interest calculation method, and the capital supply and demand in the capital market at that time.
5. Name of issuer
The name of the issuer indicates the debt subject of the bond, which provides the basis for the creditor to recover the principal and interest at maturity.
The above elements are the basic elements of the face value of bonds, but not all of them are printed on the face value when they are issued. For example, in many cases, bond issuers announce the term and interest rate of bonds to the public in the form of announcements or regulations.