Question: What kind of high income should be maintained?
There are many investment companies on Changzhi Road in Taiyuan, including investment management consulting companies, guarantee companies and investment guarantee companies. The reporter's investigation found that the business is similar, all related to money. Absorbing investors' funds is called wealth management business, and lending abroad is called loan business.
The wealth management business of Shanxi Hui Platinum Investment Management Consulting Co., Ltd. is: the investment period is more than 50,000 yuan, and the annual rate of return is14.4%; More than 65,438+10,000 yuan, the annual rate of return is15.6%; More than 200,000 yuan, the annual rate of return is16.8%; More than 300,000 yuan, annual rate of return 18%.
The annual yield of wealth management products of Shanxi Ying Zhuang Guarantee Co., Ltd. is above 65,438+04.4%. Take the 654.38+million yuan on the leaflet as an example. Ying Zhuang's financial management is 3,600 yuan for three months and 7,200 yuan for half a year, 1 year, 1.44 million yuan.
The financial product of Shanxi Jincai Investment Guarantee Co., Ltd. is "the annual rate of return is above 16% regardless of the size of the funds."
The investment and wealth management products of Shanxi Xinshengda Investment Guarantee Co., Ltd. are more flexible, with 1 1,000 yuan, 20,000 yuan and 30,000 yuan. The annual rate of return is also the lowest 14.4%. Of course, with more capital investment, the income will increase accordingly. In the company's specific documents, from 65,438+0,000 yuan to several hundred thousand yuan, the income of each amount level and different investment period is listed in detail for investors' reference. ...
From the perspective of income, the income of the above wealth management business is higher than that of bank time deposits. Compared with the bank's one-year interest rate of 3.25%, 14.4% is indeed high, and the income of 5% of bank wealth management products is also much higher.
How to maintain such a high income? Many people have questions.
The second question: What do you do with investors' money?
The business of an investment guarantee company has a characteristic: paying interest on a monthly basis and returning the principal at maturity.
If you take 654.38+10,000 yuan as the investment guarantee company's financial management, the income exceeding 1000 yuan in the first month will be given to you immediately, and the principal will be recovered in the last month. "Doing investment and financial management here is equivalent to giving yourself a bonus of 1000 yuan per month. What are you waiting for? " That's what account managers say.
Since it is investment and financial management, what does an investment guarantee company do with investors' money?
Staff of several investment companies introduced: SMEs are now facing financing difficulties, and investment guarantee companies only collect funds to issue loans to enterprises in order to alleviate financing difficulties and charge a certain fee for the use of funds. To put it bluntly, it is private lending. As for the specific use, "it's hard to say which money, as long as you earn your investment and wealth management income."
Xu Tong, president of Taiyuan Xuefu Street Sub-branch of China Construction Bank, said that the above companies have their own advantages in terms of financing period. As far as capital security is concerned, large state-owned banks and listed company banks should be more reliable. If nothing else is said, only the return on investment is mentioned. If the minimum annual return rate of investment guarantee companies to individual investors is 14.4%, according to the usual practice, the loan interest they give their customers will reach 3 points. Customers have to pay back the interest of the investment guarantee company, and the operating profit is higher. What enterprise can bear such a high capital cost? Xu Tong said with a smile, the profit rate of the regular banks is not that high.
Liu Zhaohui, who develops real estate in Gujiao, said that the funds used by investment guarantee companies are basically short-term turnover. For example, when the property is about to be capped, short-term financing can be provided, and the pre-sale payment can be made after the capping. They dare not use their money for a long time, and the cost is too high. Ms. Duan, who is engaged in coal trading, said that due to insufficient self-owned funds and short-term turnover of private lending funds, it is very convenient to do transactions. Because of the short time, the total cost of using funds is not much, which I think is acceptable.
Three questions: Is the investor's money guaranteed?
What investors are most concerned about is whether their funds are guaranteed. At this point, various investment guarantee companies say that there is no problem.
According to the reporter's investigation, investors signed contracts with these companies, and some signed tripartite contracts. Investors, guarantee companies and money-using companies sign tripartite contracts. If the money user fails to repay the principal and interest as scheduled, the guarantee company will bear joint liability and give the investor the principal and interest; Some sign bilateral contracts, and investors only sign with investment guarantee companies. No matter what they do with the money, they will protect the investor's principal and interest when it expires.
The reporter also observed an interesting phenomenon: however, the registered capital of investment guarantee companies operating on main roads is generally more than 50 million yuan or 30 million yuan. Companies in inconspicuous places will have less registered capital. There are many companies in the office building, because in addition to rent, the company also spends a lot of money on decoration, and companies with weak financial strength can't afford to spend so much money. Since the facade and decoration cost so much money, the company will definitely earn it back, and it will never close the stall after a few moves. Therefore, investors' investment and financial management still depends on the company's financial strength, otherwise it may not be able to achieve the expected income.
In addition, many companies are newly opened this year. Shanxi New Investment Guarantee Co., Ltd. was put into trial operation on July 65438+6, 2006, and several other companies also obtained business licenses this year. After less than one year of operation, what is the income from investment and financial management? "In order to ensure the safety of personal information, the company has strict confidentiality measures", which most staff will explain.
It is understood that the above-mentioned companies do investment and financial management within 6 months before opening, and the funds are the most secure. The company needs customers to pass on word of mouth and bring more customers with good reputation.
Four questions: Is private lending legal and compliant?
Some people question whether the businesses these companies are engaged in are legal and compliant.
The investment guarantee companies surveyed by the reporter all said that the state supports us to support the development of small and medium-sized enterprises. Some account managers read newspapers to reporters, which read the measures taken by the provincial government to support the local economy. Some people send short messages to reporters, saying that they can look at the third and ninth of the ten financial reforms in the State Council on the Internet, which is good news to encourage the development of the guarantee industry.
Investment guarantee companies all over the street have their reasons for existence-
Let's talk about interest rates first. The identification of usury in China is more than four times the legal interest rate, and the following four times is private lending, and the state allows private lending; At the same time, in the process of interest rate marketization, the policy of interest rate differentiation was implemented. Simply put, referring to the floating range of joint-stock banks, 4 times is exactly 14.4%. The above companies invariably take 14.4% as the bottom line, which is just on the borderline and legal.
In fact, the company will give a more suitable price for the use of funds according to the amount of funds and the length of financial management time. As for the use price of funds they give borrowers, they can't reach the level of usury, and only both parties know. From the perspective of rich enterprises, usury will also become a problem when funds are tight, otherwise the capital chain will break and enterprises will not even have a chance to survive. This is why many similar companies exist.
Let's talk about the compliance of investment and wealth management business of investment guarantee companies. Liu, a doctor at Shanxi University's Jinshang Research Institute, said that from the point of view of the company's establishment itself, it has a business license issued by the industrial and commercial department, and it is not operating without a license. In fact, whether it is a financing guarantee company or a non-financing guarantee company, the state stipulates that it is not allowed to engage in the business of absorbing deposits, raising funds to collect wealth, and issuing loans. At present, various investment guarantee companies in the market absorb customers' funds and become banks that are not banks. It is indeed illegal to operate beyond the scope.
In addition to the business license of the Industrial and Commercial Bureau, some companies have code certificates, tax registration certificates, bank account opening licenses, etc., with thick copies. , and there is no key banking regulatory bureau to operate financial business license. It's just that many investors don't pay attention to this.
Liu said that private lending has existed since ancient times, which not only solved the financing problem of small and medium-sized enterprises, but also solved some employment problems, and also brought considerable benefits to wealth management customers, which is beneficial to all parties and is an industry supported by the state. On July 5th, the State Council issued "Guiding Opinions on Financial Support for Economic Structural Adjustment and Transformation and Upgrading", demanding strict prevention of financial risks and preventing the spread of risks caused by private financing, illegal fund-raising and international capital flows. He suggested that investors must choose a formal institution to do financial management.