High Inflationary Pressure&Nbsp; Expert Financial Tips

the moment, financial products There are many kinds of them. What are their characteristics and how to choose them have become the focus of many investors. Recently, at the request of investors, China Railway Trust successfully held the "Finance Lecture" on March 31, attracting more than 50 investment enthusiasts. At the symposium, many investors asked financial experts questions about the selection of financial products, the formulation of financial planning and other issues on the spot. Dr. Chen Jianchao, senior research and development manager of the Research and Development Department of China Railway Trust, and Yang Jie, deputy general manager of the Wealth Management Center, answered these questions one by one and offered on-site advice to investors.

Many investors proposed that at present Inflationary pressure In February 2011, the CPI reached 4.9% again, and the number and types of financial products increased gradually. How to choose suitable financial products to achieve the purpose of anti inflation has become a difficult problem for me. Dr. Chen Jianchao believes that when purchasing wealth management products, both income and risk should be considered. It is reported that financial products on the market can be roughly divided into trust financial products, bank financial products, fund financial products, securities financial products and insurance financial products. Dr. Chen Jianchao made a detailed comparative analysis of the specific situation of these five financial management methods. He pointed out that the annual yield of trust financial products has reached about 7-9%, nearly 6 percentage points higher than the deposit interest rate of the bank in the same period; At the same time, the risk control measures of trust products are relatively perfect, and the safety margin is high. Compared with the high yield of trust products, the annualized interest rate of bank financial products with more than 92% is generally less than 5%. The principal guaranteed fund in fund financing belongs to the type of low risk and low return. The yields of securities wealth management products vary greatly due to different varieties. The yields of mixed partial debt and money market types generally fluctuate within the range of 2% to 5%, while the yields of mixed partial equity types are subject to greater changes in market volatility, with high risks, and are not suitable for stable investors. Insurance financing pays more attention to its security function, and its yield is low.

As for the advantages of trust financing, Chen Jianchao said that as a property management system, trust not only has the function of financing, but also has the function of risk isolation, equity reset, etc., which can meet the needs of investors widely and flexibly with a special transaction structure. At present, in China's financial market, trust companies have the largest business span and the widest scope. They are the only financial institutions that can make comprehensive use of the money market and the capital market, and can also connect the industrial market and the financial market. The flexibility of the trust system enables trust companies to adapt to changes in the economic cycle, so as to optimize the allocation of various assets and realize the value maintenance and appreciation of products.

It is reported that China Railway Trust has a variety of trust and wealth management products such as infrastructure, securities and real estate, all of which have the characteristics of controllable risk and high yield, and have maintained a 100% cashing rate for a long time; In addition, China Railway Trust has been able to continuously develop new products according to the diversified needs of investors, actively explore various innovative businesses, and has made phased progress in the construction of affordable housing, new energy development, ecological agriculture and other aspects. China Railway Trust will continue to use its professional advantages to fight against inflation Win CPI Contribute your strength.