How can I buy private equity products? What kind of channels and ways to buy are more reliable? The following is how to buy private equity products compiled by Bian Xiao. I hope you like them.
How to buy private equity products?
First, confirm whether you are qualified to buy private equity funds.
Before buying a fund, investors should first confirm whether they are qualified to buy it. The main body of purchasing private equity funds must be qualified investors.
Qualified investors in private equity funds refer to units and individuals with corresponding risk identification ability and risk-taking ability, and the investment amount of a single private equity fund is not less than 6,543,800 yuan and meets the following relevant standards: units with net assets of not less than 6,543,800 yuan; Individuals whose financial assets are not less than 3 million yuan or whose average annual income in the last three years is not less than 500,000 yuan.
(Financial assets include bank deposits, stocks, bonds, fund shares, asset management plans, bank wealth management products, trust plans, insurance products, futures rights and interests, etc. )
Second, choose the private equity fund you want to buy.
First of all, we should fully understand the nature and investment field of the private equity fund to be purchased (stocks, bonds, futures option derivatives, etc.). ), the past performance and team situation of the fund company, the historical performance, operation style, work background and experience of the fund manager, etc. According to your own risk tolerance and style adaptability, you can start buying after you decide which private equity company to buy.
Of course, if you don't know what kind of private equity fund you are suitable for, you can also screen the fund according to your preferences and requirements on the third-party platform of private equity funds (such as private placement network), or directly consult relevant service personnel. The third-party platform is relatively independent. As a "private fund supermarket", it has a huge amount of data for reference.
Third, choose the purchase channel.
Common purchase channels include fund managers' own sales channels, brokerage sales channels and third-party platform sales (such as private equity networks and bank counters). ).
Fourth, official purchase.
Private fund managers apply for registration.
Registration method: submit information online through electronic system and review online.
Registration process:
Contents of registration information: Fill in basic information such as fund managers, senior managers and other employees, shareholders or partners, managed funds, due diligence legal opinions of the company, financial audit statements, etc.
Time limit for registration: If the materials are complete, the fund industry association shall complete the registration procedures of the private fund manager by publicizing the basic information of the private fund manager through the website within 20 working days from the date of receiving all the registration materials.
Publicity content: basic information such as the name, establishment time, registration time, address, contact information, principal responsible person and basic credit information of the private equity fund manager.
Where a corporate fund employs a management team to manage the assets of the fund, the corporate fund shall go through the procedures of fund filing and fund manager registration.
The foundation of stock private placement
Article 2 of the Interim Measures for the Supervision and Administration of Private Investment Funds
The term "private investment fund" as mentioned in these Measures refers to an investment fund set up in People's Republic of China (PRC) by raising funds from investors in a non-public way.
The investment of private equity fund property includes buying and selling stocks, equity, bonds, futures, options, fund shares and other investment targets agreed in investment contracts.
These Measures shall apply to the registration, fund raising and investment operation of companies or partnerships established for the purpose of investing in private equity funds and assets managed by fund managers or general partners.
These Measures shall apply to securities companies, fund management companies, futures companies and their subsidiaries engaged in private equity fund business. Where other laws and regulations and the relevant provisions of China Securities Regulatory Commission (hereinafter referred to as China Securities Regulatory Commission) provide otherwise for the above-mentioned institutions to engage in private equity fund business, such provisions shall apply.
The Positive Role of Private Equity
For small and medium-sized science and technology enterprises, private placement is not only an important financing method, but also has a direct or indirect positive impact on other financing environments.
First, promote the rational structural adjustment of the enterprise system.
There is an interactive relationship between stock private placement and stock investment. When there is a virtuous circle (which of course everyone hopes), the number of joint-stock companies will increase greatly, thus completely changing the current situation that the proportion of joint-stock companies in China is too low among all companies. This structural adjustment of enterprise system will lay a solid foundation for the whole capital market.
Second, make commercial banks more willing to lend.
In the view of banks that are too poor to love wealth, the debt capital and equity capital of enterprises are not complementary, but interactive. The more abundant the equity, the more willing banks are to lend, and vice versa. Private placement of shares is the main way for small and medium-sized enterprises to increase equity capital and reduce debt risk.
The difference between private equity funds and stocks
Stock investment and fund investment are the two most commonly used investment methods for domestic investors. Stock investment means that investors buy shares issued by listed companies and gain income through stock price rise and company dividends. Fund investment is to purchase fund shares, give money to fund management companies for investment management, and realize income through the growth of fund share net value.
Stock is a kind of ownership certificate, and investors become shareholders of the company after buying it, and the funds raised by stock investment are mainly invested in the industrial field; A fund is a beneficiary certificate. Investors become the beneficiaries of the fund after purchasing it, and the funds raised are mainly invested in financial instruments such as securities. Under normal circumstances, the stock price fluctuates greatly, which is a high-risk and high-return investment, while the fund is a portfolio investment with relatively moderate risk and relatively stable return.