今週のじぃご飯♪

今週のじぃご飯♪

銀行加息後,存款利息會有什麽變化?



  我相信大家身邊的長輩都喜歡把錢存在銀行裏,他們除了圖個安全外,還希望獲得相對較高的利息。但是在存錢的時候,別忘了以下幾個問題:


  1、加息前定存利率,並不會隨著加息而上浮。因為在1993年《儲蓄管理條例》實施前,定存如果遇到儲蓄期間利率調整,則實行“就高不就低”原則,即央行上調基準利率,原定期存單也跟著上調;但央行下調基準利率,原定期存單利率保持不變。再加上那時的一年期定存利率高達7%-8%,因此老一輩人喜歡存錢也是有原因的。


  而在《儲蓄管理條例》實施後,根據《儲蓄管理條例》第二十六條的規定:定期儲蓄存款在存期內遇有利率調整,按存單開戶日掛牌公告的相應的定期儲蓄存款利率計付利息。也就是說利率以你存進銀行的那一天為準,之後再怎麽變動都不關你的事。


  所以,如果你在存完定期後發現加息了,你是享受不到相對高息的,能做的隻是把定存提前取出來,然後重新存。


  2、預先預判利率走勢,再來調整存款計劃。這裏所謂的預判,並不是精準地預測央行哪天加息,然後你拿著錢去存。而是拉長周期,預判未來幾年是否處在加息或者降息周期。


  加息的預判:央行加息的目的是什麽?就是抑製經濟過熱。比如當下美聯儲加息、樓市過度繁榮、資金在金融機構空轉套利、資產價格暴漲、物價上漲等,都意味著宏觀環境進入加息周期,這時假如你要定存的話,可以選擇期限短的,以便之後加息時,能夠靈活取出重新存,享受相對高息。


  降息的預判:在經濟低迷時,央行會通過降息來刺激經濟,比如外貿企業業務一籌莫展、居民消費下滑、基建等固定投資下滑等,這時降息就意味著企業的資金成本下降,老百姓認為錢存在銀行跑不過通脹,便拿出來消費或投資,帶動經濟增長。這時候,如果你的定存已經到期,則可以選擇其他利率高於定存的投資渠道,比如貨幣基金等固收類理財;如果你的定存還沒到期,那麽恭喜,在到期前你依然能在低息環境下依然能夠享受相對高息的福利。


  3、如何“倒騰”存款,擼羊毛?


  利率是央行定的,錢也不會無端增加,如果讓利息“越存越多”,是要講究方法的:


  1、想多賺存款利息,選擇小型城商行或股份製銀行更有利,這類銀行與國有行不一樣的是,它們更加註重中小型客戶和零售業務,有的甚至會以返利變相增加利息。


  2、定存選擇2-3年為宜。存錢時間越長,利率越高。但別忘了流動性。目前3年期和5年期的定存都是一樣的,因此能用3年賺到的利息,為啥要花5年時間呢?


  3、將大額資金分成許多不同期的小額定存,比如將20萬分成多份,分別存1-5年不等的定存,這樣的好處在於未來每隔1-2年都有定期存款到期,保證收益率的同時,又能保證流動性。


  如果你覺得文章很棒,對你有幫助,可以關註作者的微信公眾號:小白讀財經(ID:xiaobaiducaijing),訂閱更多的優質原創推文!

China’s reforms will further boost globalization



Illustration: Luo Xuan/GT
In 2018, China celebrates the 40th anniversary of its reform and opening-up. In his keynote speech at the opening ceremony of the annual Boao Forum for Asia Annual Conference in April, president Xi Jinping said China will complete its revision of the negative list on foreign investment in the first half of the year and  implement an across-the-board management system based on pre-establishment national treatment and the negative list.
On Thursday, a new shortened negative list was unveiled by the National Development and Reform Commission and the Ministry of Commerce, honoring the promise of greater opening-up the Chinese leadership made to global investors. It also once again signifies China's resolute confidence and determination to continue the push for economic globalization and to work together toward common progress.
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The updated negative list is considerably shorter than the previous version, with the number of off-limit items reduced to 48 from 63. The list further narrows the scope of approval on foreign investment as well as points to a range of opening-up measures.
The revision of the list heralds a substantial move toward further opening-up of the Chinese economy. In the financial arena, the country has announced that it will remove the limit on foreign ownership in the banking sector and relax foreign ownership limits to 51 percent in securities, fund management, futures and life insurance firms. By 2021, all limits on foreign shareholding in the financial area will be lifted.
The country has also moved to scrap curbs on foreign investment in the main rail network and power grid system, among other efforts to remove constraints on foreign investment in a variety of sectors.
Overall, the new negative list features several bright spots that are worth a mention.
It marks an elevated level of openness. The list reveals 22 opening-up measures in areas ranging from finance to energy to agriculture, and it indicates a cut of about one-fourth in the number of items on the list that are off-limits for foreign investors. Especially in some keenly watched areas, China has dramatically reduced limits on foreign investment, factoring in the actual level of domestic development of these areas.
For instance, not only has the country announced it will lift restrictions on foreign investors' access  to manufacturing areas such as cars, aircraft and ships, but it has also granted wider access in the fields of finance, transport, agriculture and energy to foreign investors.
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This fully illustrates that reforms of the country's mechanism for foreign investment management are moving in a direction that is more open, flexible and efficient, which matters greatly for the creation of a new economic system that stresses openness.
Additionally, the new list indicates increased transparency. It specifies management rules such as ownership requirements and restrictions on senior executives while also removing the stipulation that if there are provisions specified otherwise by the country's laws and regulations, those provisions shall prevail. Further, pursuant to requirements for applying pre-establishment national treatment plus a negative list, all areas not on the negative list will be managed in a way that ensures equal treatment for foreign and domestic investment.
The new list will build a fairer, more transparent and convenient environment for foreign investors, as well as drive comprehensive opening-up and provide a sound foundation for quality growth. The new list, in addition to other recent measures, will support foreign investment looking to the Chinese market for opportunities.
China's door to the outside world will only be opened wider, and it will turn China into an even more attractive destination for investment. These proactive measures will also strengthen China's investment cooperation with other countries and regions, facilitating capital, technology, management and talent exchanges on a larger scale.
All told, these measures will achieve reciprocity and win-win results - representing a step further toward economic globalization.


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龍應台:父母是有有效期限的,不要偷懶那十年

  
  文章導讀: 台灣作家龍應台關於珍惜孩子成長時光的親子教育文章,做父母的有效期,不該偷懶那十年,如果孩子的成長是一張答卷,在有限的測試時間內,你准備好了嗎?
  做父母的有效期,不該偷懶那十年
  做父母的有效期,不該偷懶那十年
  作者:龍應台(台灣知名作家)
  最近去拜訪了朋友,當我們都坐在朋友家的後院吃東西聊天時,他們的大女兒回家了。大女兒今年18歲,已經不住在家裏了。她跟著她的同居男友一起走了進來,兩個人手上都各拿著一支煙;穿著很新潮,露著小肚子,後面露出腰的部分還有一個刺青。
  那個男孩子的手腕跟手臂上也有刺青。兩個人互相竊竊私語,有說有笑,但對外人都露出很不屑的眼神。迪士尼美語世界平靚正
  這讓我蠻感慨的,我突然領悟到一件事,那就是其實父母跟食物一樣,都是有“有效期限”的。
  我第一次見到這女孩時,她才8歲,跟我老大現在一樣大。10年前我去她家時,她可以在短短時間內,把我送的一瓶清酒上的字和圖,都一模一樣地畫出來。
  一個中國小女孩,居然可以把“日本清泉清酒”和酒牌上的櫻花,三兩下就輕松地描繪出來。我好驚訝,自從那次以後,我經常慫恿她的父母帶她去拜師學藝。但他們永遠都可以找出一大堆不是理由的理由來搪塞我。
  奇怪的是她的父母一面搪塞我,卻又可以一面跟我炫耀她女兒最近又畫了什麼。突然驚覺10年過得好快,好像才昨天的事情,現在已經是10年後了。
探索四十學習研修中不斷思考、認知、體驗和調節,讓自己表裡如一地走出自己想要的人生。
  我不認為她的父母現在有資格去批評他們的女兒,因為一直以來,她的父母只顧著自己,從沒重視過她的教育問題。現在再想教育已經不可能了,理由很簡單,那就是因為父母的教育功效已經“過期”了。而且她的父母在“有效期限”內也沒努力過。
  孩子在小的時候,父母對他們來說是萬能的,是完全可以依靠的。這就是父母對孩子教育的黃金時期。等孩子一到了青少年時期,父母的“有效期限”就快到了。
  該說的,該教的,該做的,應該早就都做足了,是到了驗收的時候了。這驗收的是父母的教育方針,也是孩子對外界的應變能力。“過期”後的父母再怎麼努力,也比不過10年前來得有效了。
  我突然很感歎,我告訴我自己,我必須要在黃金時期內幫我的孩子做好面對未來的准備。因為時間真的過得很快,一轉眼就過了。我不想將來只有歎氣、搖頭的份兒。
  是呀!父母是有有效期限的。小孩兒是老天爺(或上帝)給我們的禮物,當你不珍惜的時候,老天爺(或上帝)就把這份甜蜜的禮物收回了。
迪士尼美語 評價兩極,除主流反對聲音以外,用家分享重要考慮要點。在學習英語的過程中,同時灌輸正向的處事方法,幫助培養小朋友的品德。