Not enough money to buy a house, can you afford to lend to come together? Missed the BATJ investment boom that year, but also to catch the fast-growing high-tech it? Investment this year is the investment market, buy insurance or buy bank financing?
Do not worry! Recently, the banking, securities and insurance regulatory authorities have all opened the 2018 Working Meeting. There are so many things to do this year. See if you are concerned about the problems you are looking for.
Do not want to 'cash' buy stocks
Is not also thinking of buying a home loan is not enough credit consumer loans? Did you still want to borrow money into the stock market to make a quick? 2018, these will not work!
The CBRC's work will put forth efforts to curb the excessive growth of resident leverage, combat the misappropriation of consumer loans and credit card overdraft violations, and strictly control the irregular flow of personal loans to the stock market and the housing market.
In 2017, China's short-term consumer loans soared, but some customers did not really want to spend but "cash out" to buy houses or stock market funds. In particular, some people applied for consumer loans when the mortgage policy was tightened, 'After the purchase of housing, consumer credit has become a' down payment of loans', making the purchase restriction and other regulatory policies greatly reduced the effectiveness.
It is understood that at present the major banks have stepped up the review of consumer loans, requiring applicants to provide proof of consumption.Some banks also require the recent application for consumer credit customers, if you want to apply for mortgage loans, you must first pay off loans .
Of course, regulators are going to crack down on non-compliance with the misappropriation of consumer loans and it is reassuring that they will meet the reasonable loan needs of residents.
Financial products are no longer 'drought and salvo income'
Banking financial products, which have been welcomed by the general public for many years, will usher in major changes and the work of the China Banking Regulatory Commission (CBRC) will propose to push banks to start the transformation of wealth management businesses as early as possible.
Do not underestimate this sentence, this is not just to talk about the still in the comments of the new rules and regulations require asset management products can not promise to protect the guaranteed benefits, of course, financial management is no exception.While the 'boots' have not yet officially landed, 2018 bank financial transformation is imperative.
To transition as early as possible for commercial banks, to more professional services to win customers for the majority of investors, 'make money' Buy bank management era will be the past, there should be psychological preparation, change Investment habits, to buy financial products to be more focused, always pay attention to the changes in the rate of return, can not afford to buy when the 'dispensers dispensers'.
A shares or will usher in the 'BATJ'
That year, Baidu, Alibaba, Tencent, Jingdong and a number of high-tech Internet companies because of the inability to visit the A shares and "painful go overseas." These companies all the way up the stock, how many domestic investors marvel.
This year, a major plan was disclosed at the CSRC working conference. A shares owning 'BATJ' will no longer be a dream.
'We should take serving the national strategy and building a modern economic system as a guide to absorb the mature and effective systems and methods of international capital markets, reform the system of issuance and listing, strive to increase the system's inclusiveness and adaptability, and increase the new formats of new technology and new industries New mode of support.
Do not look just a few words, which can mean a major change in the issuance and listing system.It is not only the Internet companies, in line with the national strategy of intelligent manufacturing, biomedicine, eco-environmental protection and other fields are expected to receive special institutional support.
The path is also more than one. IPO, refinancing, mergers and acquisitions, all roads lead to Rome, the capital market will fully embrace these outstanding new areas of business.
Sharing the high growth of high-tech enterprises, domestic investors can also easily buy and buy. However, the process of institutional reform, and not all listed high-tech enterprises will be able to 'rise up' want to High yield, must bear the high risk.
Buy insurance to see more 'protection' less payback '
If the previous insurance products in your investment basket occupies a key position, then this year may be to adjust the tone changed from 2017 onwards, 2018 policy signals stronger.
'Push the insurance industry back to its origin, give full play to the unique advantages of insurance protection and insurance funds, and better serve the national strategy and the real economy.' 'The CIRC Working Session will set the tone for the development of the insurance industry in 2018.
Of course, the China Insurance Regulatory Commission made a lot of arrangements in order to provide consumers with more protective insurance products.
Major illness insurance, agricultural insurance, catastrophe insurance, long-term care insurance, commercial health insurance and pilot pension insurance are all written into the focus of the CIRC this year.
All along, the domestic insurance product variety is not rich enough, serious homogeneity, low cost, popular consumer criticism.After the turning point in 2017, the future can be gradually improved, so that people can buy their own insurance products, worth the wait .
Regulate the sword to help you keep the 'money bag'
The bank actually sold 'fake money' and 'cash loan' became usury. The myth of ICO riches was shattered. In recent years, the chaos in the financial market has become very real. The general public accidentally stepped on a certain trap.
'Further deepen the remediation of the chaos in the banking market,' 'strengthen the inspection and law enforcement, crack down on various types of illegal behavior' 'crack down on illegal and market chaos, the formation of high-pressure deterrent' ... ... Silver security three regulatory agencies invariably Protect the rights and interests of financial consumers to make statements.
In recent years, the criminal practices of illegal fund-raising have been continuously retrofitted, with great secrecy and deceitfulness. In particular, the means of Internet has spread rapidly. The amount of money involved and the number of people involved have surpassed those in the past.
CBRC work will be proposed to do a good job in the coordination of illegal fund-raising cases to promote the introduction of the disposal of illegal fund-raising as soon as possible.
Avoid the traps of financial consumption, keep our 'money bags', the need to regulate the sword to play a deterrent role, but also consumers need to polish their eyes.