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one side, the other

time:2022-12-09 19:39:19source:chakarski.com author:Aerospace stock
one side, the other

The plan of the largest platform on ZY’s side has roughly come out. The bank loan funds are extended for 20 years, with no interest for the first 10 years, and the interest for the next 10 years is expected to be only a little over 3%. No matter how many years the bank's loan funds are extended, it has nothing to do with our retail investors. I checked the credit line of the bank on that platform. In addition to the two local banks that put more money, there are two other banks that have a larger loan amount, and the other banks are fine. The products made by the corresponding trusts of the brother units of the two banks are also at risk. For non-standard trust funds, it is reported that an extension of 8 years is required, and the comprehensive interest is also a few points. Moreover, among the non-standard funds, the collective plan trust funds are often retail funds, just some large retail investors. In the past, trusts had just been redeemed, and many investors did not care too much about the underlying assets. They often bought more based on their trust in large trust companies, often millions. Even if you care about the underlying assets and think that you are buying a city investment, even if the non-standard city investment is paid late, it will usually be settled a year and a half later. In special areas, non-standard trusts are required to be extended for 8 years, which is more troublesome. Regarding such requirements, from the perspective of retail investors, we absolutely cannot agree to such an extension plan, and do not sign such an extension agreement. If the purchases are scattered, you can completely fight with him to the end, you don't care. Face, why should I be concerned about face as a retail investor? The local area also wants to use this type of area as a pilot. Since it is called a pilot, if the implementation goes well, it is not ruled out that there are other places to follow and learn and play like this. If this is the case, who will play non-standard with you in the future? Judging from the current situation, the "resistance" encountered in the market is still very fierce. Such a plan is not bad for bullying local financial institutions. After all, local institutions still have to do business locally and are subject to his supervision. If you go to bully a non-local institution, the non-local institution will not eat your way at all. But under such circumstances, the platform's tenders are still being paid on time, and they have recently successfully issued tenders with only 7% of the face value. Another garden province, more obvious. Both YN Kanglv and YN Water are preparing to repay the tendered bonds in the stock period in advance, but while the tendered bonds are to be repaid in advance, the non-standard of YN Kanglv is at risk. Judging from the measures taken by these two places to deal with the crisis, they are all striving to protect the standard bonds, not the standard bank loans, trusts, leases and other funds, and their resolution order is often later, especially bank loans, often Go last. In recent years, the price-earnings ratio, price-to-book ratio, dividend rate and other indicators of bank stocks have looked good. Many investors laughed and said that even if they take high dividends from bank stocks every year, they will far exceed bank interest. But in fact, in recent years, banks have The performance of the stock has always been unsatisfactory. On the surface, the high dividend payout is more of the investor's own principal. The overall market value of the holdings has not risen significantly, and many have even fallen. This involves the assets and liabilities of banks, which are not the same as those of ordinary enterprises. The more money people deposit in the bank, the higher the bank's debt, and the bank's loans and inter-bank deposit certificates are the bank's assets. How much of these loans can be recovered when they expire, such as Loan to the real estate company, you have to call a question mark. And the deposit assets that ordinary people have in their bank cards can be realized at any time. I am Dafo, a certified financial planner, with fund qualifications and securities qualifications, author of the book "Investment and Financial Management: Financial Business Thinking and Asset Portfolio Allocation Strategies", and a financial columnist.
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