There are great V's on the Internet, which have caused discussion because of different opinions. Recently, two big V's have quarreled with leveraged investment bank stocks because of their investment in bank stocks.

A loyal fan of banking stocks, Da V whose ID is "Yunmeng", said that he has invested three times in the stocks of the four major banks. Caused another big V liang hong's emotional comment: "When you encounter a little medium-sized crisis, your money will go to zero, crazy."

Yunmeng responded directly: You still don't understand the banking stocks, and you don't understand the liquidation method of Yingtong Securities. And self-reported that it has exploded many times.

Big V, a bank stock, said that its leverage is 3 times, which triggered a discussion.

Big V Yunmeng, who claimed to be an investment bank stock for 16 years, recently said that he has held four major banks for more than four years, and the daily closing ratio of the four major banks is over 9%, and the daily closing leverage ratio should be 3 times on average, which means that the four major banks have held an average of 27% positions over the past four years. He also said that "I will mainly invest in the four major banks in the future, and I firmly believe that the four major banks will turn me over. I firmly believe that I will make big money in the four major banks!"

Private placement product, triple leveraged investment, although it is a bank stock with low valuation and relatively low fluctuation, is really worrying, so Yunmeng's post has also caused a lot of forwarding and discussion. Some netizens said that gambling is big, and some netizens directly posted the performance of various industries in Japan since 1996, among which bank stocks fell sharply.

Big V liang hong also bluntly said: "In case of a little medium-sized crisis, we don't need the level of 28 or the level of the 11-year European debt crisis. Your money is zero. Crazy. "

Yunmeng replied to liang hong, saying: This passage shows that you still don't understand bank stocks, and you don't care about the current valuation of banks at all, and you don't understand the liquidation method of Yingtong Securities.

In the subsequent confrontation, Yunmeng even claimed that he had opened his position many times.

Yunmeng said: In fact, I'm still arrogant in this way because I've blown my position many times. If so, I can't speak, but many people don't speak if they don't do well. Losers have no reason and shouldn't say reasons. But I'd like to repeat the three sentences that Mr. Liang didn't understand in the early morning:

1. Investing in us is a detour, but we shouldn't say stupid people, nor are we illogical. I have studied the banking stocks together for 3 years, but I was bruised and bruised after going through detours in Minsheng Bank, China Huarong and Chongqing Rural Commercial Bank. However, it was correct to decide that I should mainly invest in the four major banks and China Merchants Bank in the later stage. They are stable and excellent banks. From the data report, this is the case. From the reality, such as the hot loans from Chengtou Road and Bridge, the proportion of the four major banks and China Merchants Bank is extremely low. We have made repeated offers many times. If we only invest in four major banks at the beginning, the net worth will not be worse than @ liang hong.

2. Let's talk about valuation again. At present, the four major banks are still in the lowest 5% percentile of historical valuation, with a P/B ratio of less than .4 times, a P/E ratio of less than 4 times, and a dividend yield of more than 8%. The net profit of the four major banks will increase in 222 and 223. At this time, it is not appropriate to use the 28 financial crisis to scare them into a sharp drop. There is a real trouble, but many times the four major banks are anchored in the sea. The core is that the price-to-book ratio of the four major banks is now less than .4 times, which is far lower than the valuation of the financial crisis. In 28, the four major banks fell by 5% because they fell from 6 times to 3 times.

3. Let's talk about the stock market. What I'm talking about is that Mr. Liang didn't understand the liquidation of Yingtong Securities, because in the early stage, Minsheng Huarong Heavy Agricultural Bank lost too much, which led us to invest in the four major banks with more than four times leverage, that is, in 218 and 219, my leverage was often more than four times. In recent years, the continuous decline of the market has really brought a great blow. In fact, I have been liquidated many times, and the total debt has dropped a lot. I have been tossing and turning for many nights, so the kind of zeroing he said does not exist. I have already experienced it.

for us personally, we have invested almost all our money in the fund, accounting for nearly 4% of the fund's share. I believe we have persisted until now, and if we persist, there will be great gains.

Liang Hong responded:

I have never said the net value of the fund, and I will not mention the surplus. You don't need to know the rules of short positions, no matter what the rules are. However, if 27% positions are invested in an industry for a long time, no matter what rules, your net assets will be cleared if the stock price falls by more than 3%. You want to say that if you fall to a certain extent, you will lighten your position. Do you want to add more positions when you go up later? If it falls again, will it be reduced again? Do you want to go up again? After a few shocks, your funds will be gone.

So in essence, it's luck. There is a high probability that you will make money if you have nothing to do. Once something happens, you will lose 7-8%, which is not a good investment method.

Earlier apology: the net product value fell below .4 yuan

Yunmeng claimed to be an investment bank stock for 16 years and held four major banks for more than four years. In the post in November, 222, he said that the net value of the product was lower than that of .4 yuan, and he apologized to investors. After resigning from the central bank and state ministries, Yunmeng and his wife left Beijing to live in a small five-line city in Hubei.

There are five points in the post about Yunmeng Fund:

1. The net value of Yunmeng Fund is much lower than .4.

2. Yunmeng Fund is an overseas fund, and the fund management company is APEX. Some investors do not want us to publish the net value online.

3. The main positions of Yunmeng Fund are state-owned banks with high leverage. In the future, the major investment disciplines or principles are state-owned big banks plus China Merchants Bank, and they do not invest in non-bank stocks and rarely invest in small and medium-sized banks.

4. Our individual and close relatives' funds account for over 4%, and we have invested almost all our assets. There are more than 4 investors, about half of whom are relatives and friends in real life, and half are netizens or friends on Infolink.

5. Yunmeng Fund has no management fee and has never taken a penny from the fund. The framework is a product issued by Yunmeng Investment Company, because since the opening of the fund, individuals have borne about 2 million related expenses.

6. After resigning from the central bank and the state ministries, Yunmeng and his wife left Beijing to live in a small five-tier city in Hubei. They once dreamed of being like Davis, but the actual investment was much more cruel.

Although the market fluctuated and fell in 222, the share prices of the four major banks were relatively firm in 222. Except for ICBC's slight drop of .22%, CCB, ABC and BOC all rose, and BOC even rose by over 1%. Since 223, the market performance has been strong, and the stock prices of the four major banks have also been relatively stable.