Go homepage(回首页)
Upload pictures (上传图片)
Write articles (发文字帖)

The author:(作者)归海一刀
published in(发表于) 2014/2/1 0:59:38
Experts： Po， real estate investment and other risks have increased，

Experts: Po, real estate investment risks are increasing balance-Bao, Internet financial services-IT information Experts: Po, real estate investment and other risks are increasing

According to voice of the press reported the evening peak, rising, rising, rising, people "up" is preferred by! However, at just past 2013, rising the most rapturous: House prices, another is to balance the treasure on behalf of Internet financial services. Today is the first day of the lunar new year, house prices and balances color still full of treasure?

Xiao Liu is an ordinary employee of an institution in Anhui in early 2013, she made two wishes, first is the hope that housing prices could drop again, fulfill their "House dream"; the second is to revenue higher. In 2014, take a look at his two wishes a year ago, has disappointed hopes.

Xiao Liu: when I was from the beginning of 2013, has been studying the House, but there were a lot, and location is not good, and some are a little expensive, I thought, is it cheaper to buy, but have not been before. Later, probably in April or May, when paid the deposit, pre-order housing prices around 9,300 yuan in early morning trading, opening at the end of, resulting in a little more than the price is more than 10,000, a lot higher than I wanted to.

2013 real estate market is characterized by shocks of uplink, the entire market has experienced a lower high, gradually warming process. Now Liu looks like this suite of "equivalent". Accompanied by high prices, always a high land prices. Wang Pin is now 2013 is one year, centaline property market research department director, Dawei Zhang memories.

Dawei Zhang: this year's most characteristic feature is the King, judging from one or two tiers, Wang Chao spread a great deal.

And compared to previous years, 2013 the city there have been more significant differentiation in the price trend, buying a House, gone are the days of making money: the first-tier cities, housing prices have gone up more, two or three tiers increases the overall smooth, some three or four tiers, in particular four-tier prices start to decrease. Jian Wei Minister of housing and new comments and confirms the above conclusions.

Jiang weixin: Beijing, Shanghai, Guangzhou, Shenzhen, rising house prices and rapid city, to strictly implement differentiated housing credit restriction policy, tax policy and housing to increase effective supply of housing land supply and housing. Prices start to fall city, should pay attention to digest stock, control the size of the newly developed.

House is still the hottest! However, young people can't afford to buy in 2013 was found to suit your investment channels, it is the balance of Internet financial products such as Bao. Bought House Xiao Liu is among the first Internet banking product "crab" person. Right from the beginning of the thousands of bucks, now $ 100,000, looking at balances the treasure some HK $ 20 a day, Liu said he was very satisfied.

Liu: interest rates much higher than the deposit balance of treasure, I look every day mobile phone balance treasure interest rising especially pleased.

Bao is to sweeten the balance, set off a wave of financial market storms. When this cornucopia day sucked billions from the Bank's deposits, Bank bosses in the past like a rock to sit since January 2014, including China Construction Bank, agricultural Bank of China and other State-owned line in individual areas, also the main breeds raised interest rates of term deposits 10%, interest rates have moved up to top activities are launched. Guo Tianyong, Director of Central University of finance and banking Research Center said that State-owned banks will feel the pressure of competition.

Guo Tianyong: as Central Bank in to deposits rates allows can floating 10% yihou, I at told had, as competition of constantly increased, all home Bank last land gradually continued will to deposits rates floating is a trend; now short time within view, a funds surface of pressure big, from last year end of a until now, whole funds surface compared tight, all home Bank knockout means in with deposits absorbed funds, include appeared has some new of Internet financial means, to Bank of funds streaming effect also compared big, Forcing banks to have more tricks.

Open source securities senior strategist Yang Hai, seemingly ever in balance treasure is not steady. Balance treasure six months paid 1.8 billion dollars in interest last year, cost pressure is not small. While large banks at high interest rates of deposits, interest cost pressures in the future.

Yang Hai: this proceeds rate Ah, theoretically told is up not to so high of level of, from currently market of situation, throughout market industrial investment of overall return see, up not to this level, it also is by money roll money of game, this also on buried Xia has a risk hidden, then people cannot regular cashes proceeds commitment words, that you on breaking has, faced of credit risk is pretty big of, Internet financial if said from a began not strictly specification words, that future faced of credit risk is is big of.

Whether you choose to invest in house Internet financial products, risk will face much bigger than this year 's.

Yang Hai: as investments to lose, everyone has a different tolerance for risk, and neither the House nor the financial products, mainly considering its valuation reasonableness. Housing as an investment, it is certainly not appropriate, as it itself is a rigid demand, and now we just think of it as investing, sees it as a long-term investment, the House itself has taken a lot of bubbles, no value to talk about, and span cycle for a long time as an investment, this is not realistic.

专家：投资余额宝、房地产等风险均在增大 - 余额宝,互联网金融 - IT资讯
专家：投资余额宝、房地产等风险均在增大

据中国之声《新闻晚高峰》报道，上涨、看涨、飞涨，中国人对“涨”偏爱有加！不过，在刚刚过去的2013年，涨得最欢天喜地的：一个是房价，另一个就是以余额宝为代表的互联网金融服务。今天是大年初一，在农历马年里，房价和余额宝的成色是否依旧十足？

小刘是安徽某事业单位的一名普通员工，2013年初，她许下了两个愿望，第一是希望房价能再降点，圆自己的“住房梦”；第二是希望收入再高点。2014年，再看看自己一年前的两个愿望，有失望也有希望。

小刘：我从2013年年初的时候就一直在留意房子，但是当时看了好多，有的地段不好，还有的有点贵，我当时觉得，是不是能够等它便宜点再买，但是一直没等到。后来大概四五月份的时候，交了定金，预购了一套住房，开盘的价格也就9300元左右，年底开盘了，结果价格是10000多一点，比我想的高了不少。

2013年的房地产市场总体特征就是震荡上行，整个市场经历了一个前低后高、逐步回暖的过程。如今小刘看来这套房买的“相当值”。伴随着高房价的，永远是高地价。2013年正是一个地王频现的年份，中原地产市场研究部总监张大伟记忆犹新。

张大伟：这一年最典型的特征是地王，从一二线城市来看的话，地王潮蔓延得比较厉害。

和往年相比，2013年70个城市的房价出现了比较明显的分化趋势，买房就能赚钱的日子一去不复返了：一线城市的房价涨得比较多，二三线城市上涨总体比较平稳，有的三四线城市，特别是四线城市房价开始出现下跌。从住建部部长姜伟新的这番表态也印证了以上的结论。

姜伟新：北京、上海、广州、深圳等房价上涨较快的城市，要从严落实差别化的住房信贷、税收政策和住房限购政策，增加住房用地供应和住房的有效供给。房价开始下跌的城市，要注重消化存量，控制新开发的规模。

房子依旧是炙手可热！不过，对于买不起房的年轻人在2013年也找到了适合自己的投资渠道，那就是余额宝等互联网金融产品。买了房的小刘也是第一批吃互联网金融产品“螃蟹”的人。从最开始的几千块，到现在的10万块，看着余额宝每天20块的进账，小刘说他非常满意。

小刘：余额宝的利息比存银行高多了，我每天看着手机里的余额宝的利息不断上涨，就特别高兴。

余额宝可谓是搅局者，在理财市场掀起了一阵狂风巨浪。当这个聚宝盆每天从银行里吸走数以亿计的存款时，让过去稳如泰山的银行大佬们有些坐不住了，2014年1月份以来，包括建设银行、农业银行等国有大行，在个别地区，也将定期存款的主要品种利率上调了10%，推出了利率上浮到顶的活动。中央财经大学银行研究中心主任郭田勇表示，国有银行会感到了竞争的压力。

郭田勇：随着央行在把存款利率允许可以上浮10%以后，我当时讲过，随着竞争的不断加剧，各家银行最后陆陆续续都会把存款利率上浮是一个趋势；现在短时间内来看，一种资金面的压力大，从去年底一直到现在，整个资金面比较紧，各家银行挖空手段在借助存款吸收资金，包括出现了一些新的互联网金融手段，对银行的资金分流效应也比较大，逼迫各家银行要有更多的招数。

在开源证券高级策略分析师杨海看来，看似红火的余额宝并非稳如泰山。余额宝去年半年即支付了18亿元的利息，成本压力不小。而大型银行出手高利率存款，未来的利息成本压力也可想而知。

杨海：这个收益率啊，理论上讲是达不到那么高的水平的，从目前市场的情况，整个市场实业投资的整体回报来看，达不到这个水平，它还是靠钱滚钱的游戏，这也就埋下了一个风险隐患，到时候人家不能按期兑现收益承诺的话，那你就失信了，面临的信用风险也是蛮大的，互联网金融如果说从一开始不严格规范的话，那将来面临的信用风险是很大的。

无论你选择投资房子还互联网金融产品，都将面临比蛇年更大的风险。

杨海：作为投资来说要量力而行，每个人都有自己不同的风险承受力，无论是房子还是理财产品，主要考虑它的估值合理性。住房作为投资品来说，肯定是不合适的，因为它本身是一种刚性需求，现在我们不仅仅是把它当成投资品，把它作为一种长期投资品，房子本身就已经带很大的泡沫，没有任何价值可谈，而且跨度周期很长时间内作为投资品，这根本就不现实。

赞