为啥银行理财“不保本”了?
地区:
  类型:《权游》要出“续集”?美媒:HBO正在加速打造
  时间:2024-07-13 11:26:51
剧情简介

经济日报

银行理财“赔本”近期频频登上热搜,扰动投资者预期。客观地看,在打破刚兑、理财产品净值化转型过程中,银行理财出现净值回撤甚至“浮亏”,符合市场规律,也将成为常态。投资者应树立理性、长期的价值投资观念,根据自身风险承受能力选择相应投资组合。

此前,银行理财经历了较长的“保本保息”时期,让投资者误认为投资理财没有风险、稳赚不赔。究其原因,彼时的银行理财并非真正资产管理产品,而被异化成“高息存款”产品。

从法律层面看,存款产品与资产管理产品是有严格区别的。前者“保本”,属于债权债务关系,后者不“保本”、收益随市场波动变化,属于信托关系,即“受人之托、代客理财”。

2018年4月“资管新规”发布后,出于防范金融风险、规范市场发展考量,银行理财开始转型、整改,普遍转为净值型产品,投资者每日可看到该产品的净值变化,紧随市场或涨或跌。

但需注意,由于“资管新规”过渡期截至2021年12月末,在此之前,投资者并未明显感受到银行理财的收益波动。

进入2022年,绝大多数银行理财完成整改,加之进入3月份后,国内外权益市场出现短期大幅调整,债券市场收益率也低位震荡,因此,多款银行理财产品出现浮亏、甚至跌破净值,引发高度关注。

分析近期变化,具体原因有三。第一,全球流动性趋紧,美国股票、债券市场波动加剧,海外市场对A股和债券市场形成一定压力;第二,俄乌地缘冲突加剧了全球的通胀担忧,强烈冲击着国际金融市场,避险情绪快速上升;第三,世界经济前景仍不明朗,海外经济复苏进程放缓,对一季度经济活动带来压力。

风物长宜放眼量。需意识到,银行理财“保本”时期,投资者看似获取了稳定收益,但无形中也损失了本属于自己的超额收益;不再“保本”后,尽管可能暂时亏损,但若市场行情上扬,所有收益也归投资者所有。

不过也要承认,与国际市场领先的资产管理机构相比,我国银行理财的投研能力还有一定差距。接下来,期待市场给予更多耐心,金融机构需加快修炼内功,投资者也应秉持理性心态,在多方共同努力下推动我国资产管理市场持续完善、不断成熟。

来源/经济日报头条号(作者郭子源)

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