2021欧洲杯买球

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谢卫委员谈金融产品乱象:金融产品包赚不赔是误区
2015-03-09 22:09:46   豫闻网   评论:0

  ZHENGXIEWEIYUANXIEWEIFENXIJINRONGCHANPINSIDALUANXIANG JINRONGCHANPINBAOZHUANBUPEISHIWUQU

  “DANGQIANJINRONGYUNXINGZHONGDEYIXIEBUZHENGCHANGXIANXIANGHUOZHESHUOSHIYIXIEBUZHENGQUEDELINIANYOUKENENGZUAIWOMENGAIGEDEJINCHENGHUOZHEPIANLIZHENGQUEDEGAIGEFANGXIANG,YOUQISHIZAIDANGQIANGELEIYINGZIJINRONG,MINJIANJINRONG,HULIANWANGJINRONGCHONGJIDEBEIJINGXIA,WOMENJISHINIAN,GUOWAISHANGBAINIANJILEIDEJINRONGFAZHANHEJIANGUANDELINIANHAIYAOBUYAOJIANSHOUJIUCHENGWEIXIAYIBUJINRONGFAZHANJINCHENGZHONGDEYIGEZHONGYAOBOYIDIAN。”JINTIANSHANGWU,QUANGUOZHENGXIEWEIYUANXIEWEIZAIJIESHOUJIZHECAIFANGSHIBIAOSHI,DANGQIANDEYIXIEJINRONGCHANPINCUNZAIZHESIDALUANXIANG。JINRONGCHANPINDEXIAOSHOUXINGWEIBUNENGRANGBAIXINGWURENWEIJINRONGCHANPINKEYIYITUOZAIJINRONGJIGOUDEYINXINGDANBAOXIABAOZHUANBUPEI。

  乱象

  普遍约定收益率

  刚性兑付成惯例

  ZUIJINJINIAN,JINRONGCHANPINYUEDINGSHOUYILVYICHENGWEICHANGTAI,CONGXINTUOCHANPINKAISHI,DAOXIANZAIYINXINGLICAICHANPINHEHULIANWANGCHANPIN,BIPINYUEDINGDESHOUYILVCHENGWEIXINGYEJIANJINGZHENGDEZHUYAOSHOUDUAN。ZHEIYIXIANXIANGSIHUZHENGZAIDIANFUCHUANTONGJINRONGCHANPINDEXINGXIANG,BINGQIEBEIMINZHONGJINJINLEDAO。WOMENRENWEI,JINRONGCHANPINCHUYINXINGCUNKUANHEZHAIQUANWAI,SHIBUNENGYONGYUEDINGSHOUYIDEFANGSHILAIJINXINGXIAOSHOUDE,YINWEIJINRONGCHANPINSHITONGGUOTOUZILAIHUOQUSHOUYI,ERTOUZIYEWUBENSHENJUYOUMOUZHONGBUQUEDINGXING,TOUZIBIAODEDEBUTONGJUEDINGLECHANPINDEFENGXIANSHUXING,SUOYIDUIJINRONGCHANPINYAOJINXINGSHIXIAOXINGGUANLI。ERXIANZAIGELEIYUEDINGDEGAOSHOUYI,GANGXINGDUIFUCHANPINYIFANGMIANSHIFANYINGLELILVSHICHANGHUADEGAIGEKONGJIANHEQIANYIDUANSHIJIANHUOBIKUOZHANGDEJIEGUO,DANXIANRANSHINANYICHIJIU。LINGYIFANGMIANTABIRANSHICUNKUANHEZHAIQUANDESHOUYILVDAFUTISHENG,TIGAOSHITIJINGJIDERONGZICHENGBEN。GENGLINGRENDANYOUDESHIHUIGAIBIANMINZHONGDUIJINRONGCHANPINDEYUQI,YINGXIANGXIAYIBUJINRONGGAIGEDEJINXING。

  乱象

  金融监管不到位

  巧设产品避监管

  DANGQIANJINRONGHUODONGRIQUHUOYUE,JINRONGYETAIYERIYIFENGFU,TEBIESHIHULIANWANGJINRONGDEJUEQI,YOUYUQIKAIFANGXINGHEXUNIXINGSHIQIRONGYITIGONGGENGWEIXIANGSIDEZONGHEXINGCHANPIN,CONGERCHAOYUEFENYEJIANGUANDEBIANJIE。BIRUYUEBAO,ANZHAOWOGUODANGQIANJIANGUANGUIDING,DISANFANGZHIFUGONGSIBUDEDAIXIAOJIJIN。DUICI,ZHIFUBAOGONGSIZAIYUEBAODESHEJISHANGBAJIJINXIAOSHOUXINGWEIDINGYIWEIZHIXIAO,BINGYANGEANZHAOZHIXIAOLAISHEJIYEWULIUCHENG,SHIZIJINHEZICHANDESUOYOUQUANZAIZHUANYILIUDONGGUOCHENGZHONGBUHUIZHUANYIJIZHIFUBAOGONGSI,ERQIEZHIFUBAOGONGSIBACONGJIJINGONGSIHUODEDESHOUYIZUOWEIZHIFUBAOTIGONGJIAOYIPINGTAIDEDUIJIA,MINGCHENGSHANGJIEDINGWEI“GUANLIFEI”ERBUSHISHOUXUFEI,ZHEIYANGJIUQIAOMIAODIGUIBILEZHENGJIANHUIDEJIANGUANFENGXIAN。DUIYUZHIFUBAOGONGSILAISHUO,WEIJIJINGONGSIJIJINZHIXIAOTIGONGKEHUHEJIESUANPINGTAI,BUDANKEYIGUIBIJINZHIDISANFANGZHIFUGONGSIDAIXIAOJIJINCHANPINDEJIANGUANGUIDING,BINGKEYISHIDUJIANSHAODISANFANGZHIFUGONGSIDEBEIFUJINZHUNBEIJINHEZIBENCHONGSHIYALI,YOUGUIBILERENMINYINXINGDEJIANGUAN。

  乱象

  民间金融渐活跃

  风险事件常引发

  MINJIANJINRONGYIZHIYIGEZHONGXINGSHICUNZAIYUJINGJIHUODONGZHONG。YOUYUWOGUOJINRONGTIXIDESHICHANGHUAGAIGEQUXIANGYIJIXIAOXINGQIYEDECAIWUHEZHILIJIEGOUBUGOUTOUMING,SHIDEMINJIANJINRONGYIWANGYIZHIYOUQISHENGCUNDEKONGJIAN,DANZONGTISHANGHAICHUYUFENGXIANKEKONGZHUANGTAI。JINXIENIANSUIZHEJINRONGGAIGEDEHUSHENGRIYIQIANGLIE,GEFANGMIANDUIMINJIANJINRONGDERONGRENDUYEBUDUANTISHENG,YIXIEDIFANGZHENGFUSHENZHIBATAZUOWEIBUCHONGDIFANGJINGJIZIJINBUZUDEYIGEQUDAO,DANGXIADEMINJIANJINRONGYEYOULEYIXIAYIXIEXINTEDIAN:YISHIYIXIEZHUNJINRONGJIGOUJIERUQIZHONG。BIRUDANBAOGONGSIHEXIAODAIGONGSI,ZHEILEIYOUDIFANGZHENGFUPIZHUNDEZHUNJINRONGJIGOUPIANLILEZISHENDEYEWUFANWEI,WEIHUOQUGAOSHOUYIJIERUJIEDAILIANGDUAN,CONGERFANGDALEFENGXIAN。ERSHIYIXIEGONGZHIRENYUANHEYINXINGZHIYUANCANYUMINJIANRONGZI。LIYONGXINXIBUDUICHENGHEQUANLIHUOQUBAOLI,ZHEILEIXINGWEIZAIDANGDIWANGWANGJUYOUHENQIANGDESHIFANXIAOYING。SANSHIWANGLUOXINDAIBUDUANYONGXIAN。ZHEILEIGONGSIWANGWANGPIANLIQIZUOWEIXINXIZHONGJIEDEZHINENG,ERFAZHANCHENGWEIJUYOUJIANJIERONGZIDEGONGNENG,WANGSHANGQIZHAHEPAOLUXIANXIANGBUDUANFASHENG。

  乱象

  金融环境浮躁

  跟风金融盛行

  WOGUOJINRONGXINGYEZHEIXIENIANDEJILIEJINGZHENGHEGAOSUFAZHANSHIDEJINRONGDESHENGTAIHUANJINGFASHENGLEBIANHUA。CONGWAIBUKAN,JINRONGXINGYEDEGAOZENGZHANGYINFAWAIBULILIANGHEZIBENDEQIANGLIEFANDAN,XINGCHENGDEGONGSHIYOULIANGTIAO,YISHIRENWEIJINRONGYEQINSHILESHITIJINGJIDELIRUN,ERSHIMINYINGJINRONGJIGOUDESHELIYOUZHUYUTIGAOXIAOLVBINGWEIZHONGXIAOQIYETIGAORONGZIFUWU。DANGQIANBUSHAOMINJIANZIBENYUEYUEYUSHIQIDAISHISHUIJINRONGXINGYE,SHISHISHANG,MINJIANZIBENDUIJINRONGXINGYEDEZHUANYEXINGHEFENGXIANXINGHAIQUEFABIYAODERENSHIHEJINGWEI,YIHONGERQIDEFUZAOXINGWEIZHIHUIYINGXIANGTOUZIDEZHUNQUEPANDUAN,BINGBULIYUJINRONGYEDEJIANKANGFAZHAN。CONGNEIBUKAN,DUIGUIMOHELIRUNDEBUXIENULISHIDEJINRONGYETAIDEJINGZHENGRIYIJILIE,TONGZHIHUADEGENFENGJINRONGSHENGXING,BIRUYINXINGBUDUANZUODATONGYEYEWU,XINTUOCHENMIYUDICHANHEDIFANGRONGZIPINGTAI,JIJINTONGGUOZIGONGSICHANGSHIXINTUOYEWUDENGDENG,ZHEILEIXINGWEIBUDUANCHAOYUEJIANGUANBIANJIE,XUNQIUGUIMOHELIRUNDEZUIDAHUA。ZHEIZHONGYI“YIDAWEIMEI”DEFAZHANSILUHENKENENGYIHUSHIFENGXIANWEIDAIJIA,BINGQIEQIDAOLEBUHAODESHIFANXIAOYING,YINGGAIYINQIJIANGUANDANGJUDEJINGJUE。

  建议

  完善监管体系

  做到无缝监管

  XIEWEIJIANYI,BIXUWANSHANJIANGUANTIXI,ZUODAOWUFENGJIANGUAN。KEXINGDESILUSHIZAI“YIXINGSANHUI”DEJICHUSHANGSHELIGENGJINGGANHEQUANWEIDEYISHIJIGOU,ZHONGDIANGENZONGHEYANJIUJINRONGFAZHANZHONGDEXINWENTI、XINXIANXIANG,JISHIJIEDINGJIANGUANGUISHU。TEBIESHIDUIKUAYEJINGYINGDEJINRONGXINGWEI,YAOJISHIYUXIANGGUANBUMENGOUTONG,QIUDEGONGSHIHETONGYIDEJIANGUANBIAOZHUN。

  CHUANGXINSHIJINRONGFAZHANDEDONGLI,XIANZAIJINRONGCHUANGXINGENGDUODESHIKUAYETAIDECHUANGXIN,XUYAOGEJIANGUANDANGJUJIJIYINGDUI,DUIFUHEFAZHANFANGXIANGDECHUANGXINXINGWEI,RUGUOZANSHIBUFUHEJIANGUANBIAOZHUNDE,YINGJISHIZUOCHUDIAOZHENG。DUIYIXIEWEICHUANGXINHUOJIECHUANGXINZHIMINGSHIZHITAOBIJIANGUANDEXINGWEIYINGJISHIYUYIZHIZHIBINGZUOCHUXIANGYINGDECHUFA。DUIYIXIEGUANYIMINGQUESHOUYILVDEJINRONGCHANPINDEXUANCHUAN,YINGGAIYIJUXIANGYINGDEGUIZEYUYICHACHU。

  MUQIANJINRONGLINGYUDELUANXIANGHEFUZAOXINGWEIBIRANHUIYINFAXINGYEFENGXIANDEJIJU。BUDUANZONGJIEHEJINGSHIFENGXIANSHIJIANGUANBUMENBIXUCHIXUJIAQIANGDEYIXIANGGONGZUO。ZHEIZHONGFENGXIANJIAOYUJIYAOMIANXIANGPUTONGTOUZIZHE,YEXUYAOMIANXIANGJIANGUANRENYUANHECONGYERENYUAN,YINWEIZHIYOUHOUZHEDEZERENYISHIHEZILVYISHIZENGQIANGLE,CAINENGCONGYUANTOUSHANGBAOZHENGLIANGHAODEJINRONGZHIXU。(JIZHE LONGLU)

ZERENBIANJI:lipeisheng  LAIZI:YUWENWANGZONGHE

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