信贷类理财产品慎防“预期收益”风险

• 出 处: 中国工会财会
• 发表日期: 2009年01期
• 关键词: 财政政策 投资信贷 货币政策 预期收益率 贷款利率 到期收益率 借款企业 人民币理财 信托公司 信托

以往因多能实现“预期收益率”而受到热捧的银行信贷类理财产品,近期频现提前终止。理财专业人士提示,在存贷款利率下降等背景下,投资信贷类理财产品应谨慎考量收益率等风险。随着我国由“稳健的财政政策和从紧的货币政策”向“积极的财政政策和适度宽松的货币政策”调整,利率下调成为趋势,

In the past due to achieve “expected rate of return” and the blitz of bank credit products, the frequency of early termination is premature. Financial professionals suggest that in the context of declining interest rates on deposits and loans, investment and credit wealth management products should be carefully considered risk and other risks. With the readjustment of China’s “robust fiscal policy and tight monetary policy” to its “positive fiscal policy and its moderately loose monetary policy,” interest rate cuts have become the trend,