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银行内部流出的4笔账,看完才知道全款买房多亏
Sou Hu Cai Jing· 2025-10-04 10:49
银行内部流出的4笔账,看完才知道全款买房多亏 前几天陪发小阿凯去看房,他手里攥着150万积蓄,盯着一套148万的小三居犯嘀咕:"销售说全款付能打98折,还不用还银行利息,听着特划算;可我妈又 说'别把钱全砸进去,留着应急',我都快纠结死了。"正好我有个在银行做个贷的朋友,听说这事儿后,直接发来了4笔内部算账表,阿凯看完当场拍 板:"不全款了,贷款!" 其实不光阿凯,咱们普通人买房,十有八九都纠结过"全款还是贷款"。总觉得"欠银行钱心慌",又怕"全款优惠没占到亏了",可很少有人算过这背后的"隐 性成本"——银行朋友说,他们内部做过统计,80%的普通人全款买房,都亏在了"流动性、通胀、投资收益"这三件事上。 可能有人会说:"我不缺钱,全款也能留应急,总不会亏了吧?"但银行朋友的第二笔算账单,正好戳中了这个误区——你忽略了"通胀"这个隐形杀手,未来 的钱可比现在的钱"不值钱"多了。 国家统计局数据显示,2024年全国居民消费价格指数(CPI)同比上涨0.5%,虽然看起来低,但长期看,过去10年CPI年均涨幅在2%左右。咱们按2%的年均 通胀算笔账:现在的100块,10年后只能买到相当于现在82块的东西,30年后更是 ...
一块人民币换0.14美元,出国和网购会怎么被影响
Sou Hu Cai Jing· 2025-10-04 05:03
人民币兑换美元,你会觉得很神奇还是有点无感?今天聊聊这个事,你会发现身边的感受和数字背后的世界其实离你没那么远。人民币现在大概一块换 0.1405美元,这个数字看起来挺具体,但对普通人来说,感受更多来自生活中的应用。 出国旅游的时候,这个数字就很直观。去美国买东西,一双鞋标价50美元,用这个汇率算下来差不多350块人民币。这一算,就能心里有数:你在国内买一 双鞋可能只要300块,而出国买同样一双鞋,花的钱明显多。看到价格差异,有人会觉得国外东西贵,也有人会觉得换汇之后花得有点心疼。 网购也是一个典型场景。很多人喜欢在海外网站上淘东西,人民币换美元,顺便还能比较价格。遇到打折季,那种心里暗爽的感觉,可能比国内的促销还强 烈。你可能本来打算买一件衣服,结果汇率算下来,和国内差不多甚至便宜,购物欲望就蹭蹭上升。数字背后,不只是钱,还影响着人的消费决策。 投资方面,汇率同样能带来小心思。有人会存外币,有人会用美元账户买理财产品。人民币升值或者贬值都会影响最终收益。这个时候,你会发现汇率不只 是新闻里的一串数字,它直接牵扯到你手里的钱能买到什么,或者未来能换回多少。换句话说,了解汇率,其实就是了解自己手中财富的价值。 ...
今年上半年中国经常账户顺差2941亿美元
Zhong Guo Xin Wen Wang· 2025-09-30 13:23
今年上半年中国经常账户顺差2941亿美元 中新社北京9月30日电 (记者 夏宾)中国国家外汇管理局30日公布数据显示,按美元计值,2025年上半 年,中国经常账户顺差2941亿美元,其中,货物贸易顺差4567亿美元,服务贸易逆差1064亿美元,初次 收入逆差629亿美元,二次收入顺差68亿美元。资本和金融账户逆差2776亿美元,其中,资本账户逆差1 亿美元,金融账户逆差2775亿美元。 三是投资收益向好。上半年,中国对外投资收益、外资在华投资收益同比分别增长13%和7%,投资收 益逆差713亿美元,同比收窄3%。(完) 来源:中国新闻网 编辑:陈俊明 广告等商务合作,请点击这里 本文为转载内容,授权事宜请联系原著作权人 中新经纬版权所有,未经书面授权,任何单位及个人不得转载、摘编或以其它方式使用。 关注中新经纬微信公众号(微信搜索"中新经纬"或"jwview"),看更多精彩财经资讯。 国家外汇管理局当天发布的2025年上半年中国国际收支报告提到,中国经常账户顺差处于合理均衡区 间。2025年一季度经常账户顺差延续2024年下半年高位运行态势,二季度顺差环比收窄22%。 分项目看,一是货物贸易保持韧性,上半年, ...
长江电力20250923
2025-09-24 09:35
长江电力 20250923 摘要 长江电力通过外延扩张模式,由集团承担电站建设,运营后注入上市公 司,规避建设期不确定性,非收购年份现金流充裕,分红比例高于同行。 该模式有效平衡了增长与股东回报。 长江电力通过六大水库联合调度和投资收益平滑业绩,应对来水波动导 致的收入下滑。参股水电公司并适时兑现投资收益,进一步稳定盈利, 展现出较强的抗风险能力。 长江电力 ROE 长期表现稳定且处于行业前列,优于其他受来水影响波动 较大的水电公司,这得益于其在发电竞价和设备利用小时数方面的优势, 保障了盈利能力。 尽管雅砻江新投产项目电价较高,但长江电力的平均电竞价历史表现更 优。新项目高定价旨在对冲高昂的建设成本,长江电力整体质量仍属最 佳,具备较强的市场竞争力。 长电电站定价机制中,乌白和向西部分不参与市场化交易,俱乐部和白 鹤滩部分执行固定电价,受市场化交易定价波动影响的电量占比约 17%-18%,低于公开披露的 30%。 Q&A 请介绍长江电力的整体规模及其发展模式。 长江电力目前的水电装机容量约为 7,200 万千瓦,涵盖全球几座大型水电站, 如金乌白等,以及少量海外技术。与其他水电公司如雅砻江、国投川投、华东 ...
北大教育基金会秘书长李宇宁:中国高校基金会资产规模潜力巨大,未来或可达万亿级
Xin Lang Ji Jin· 2025-09-22 07:09
Group 1 - The core theme of the event is the potential for growth in the asset management of Chinese university foundations, with a current total asset scale of approximately 900 billion RMB compared to 900 billion USD for U.S. university foundations, indicating significant development potential [1] - The example of Peking University Foundation illustrates a shift in growth model, where investment income has become crucial for long-term sustainability, with approximately 340 million RMB from investment income out of a total annual revenue of about 1.28 billion RMB, highlighting the importance of investment returns [1] - A unique "Chinese institutional dividend" is noted, where Chinese foundations are allowed to retain investment income as their own assets, unlike the U.S. requirement for investment returns to be allocated to specific donation projects, facilitating investment operations for university foundations [1]
投资收益锐减66%拖累业绩 江西银行上半年营收降近两成
Xi Niu Cai Jing· 2025-09-22 06:42
Core Viewpoint - Jiangxi Bank reported a decline in both revenue and net profit for the first half of 2025, primarily due to a significant drop in investment income [4][5]. Financial Performance - For the first half of 2025, Jiangxi Bank achieved revenue of 4.604 billion yuan, a decrease of 19.91% year-on-year [3]. - The net profit attributable to shareholders was 558 million yuan, down 10.53% compared to the previous year [3]. - Interest income was 377.726 million yuan, a decline of 5.27% year-on-year [3]. - Net commission and fee income increased by 5.27% to 24.558 million yuan [3]. - Investment income plummeted to 461 million yuan, a decrease of 65.88% year-on-year, down 889 million yuan from the previous year [5][6]. Asset Quality - As of June 30, 2025, the non-performing loan (NPL) ratio was 2.36%, an increase of 0.21 percentage points from the end of 2024 [8]. - The total amount of non-performing loans reached 8.617 billion yuan, up 1.029 billion yuan from the end of 2024 [8]. - The overdue loan balance was 13.171 billion yuan, an increase of 3.189 billion yuan from the end of 2024 [8]. - The bank's provision coverage ratio was 154.85%, down 5.2 percentage points from the end of 2024 [8]. Investment Strategy - Jiangxi Bank's financial investment balance as of mid-2025 was 158.014 billion yuan, a decrease of 6.377 billion yuan year-on-year [7]. - The bank reduced its fund investments by 37.79% to 18.430 billion yuan while increasing bond investments by 8.98% to 127.008 billion yuan [6]. Regulatory and Compliance Issues - Jiangxi Bank was rated as "D" class in a recent evaluation of underwriters, indicating weak business capabilities and compliance issues [10][11]. - The bank faced administrative penalties for improper handling of non-performing loans and other regulatory violations [9][12].
1人民币≈0.1406美元,汇率变化对生活和投资意味着什么
Sou Hu Cai Jing· 2025-09-19 17:17
Group 1 - The recent exchange rate of RMB to USD is approximately 1 RMB equals 0.1406 USD, reflecting the interconnectedness of global economic conditions and domestic economic performance [1] - The strength of the USD, as a global reserve currency, directly influences the RMB/USD exchange rate, with recent soft US economic data leading to a slight decline in the USD index while China's economy shows resilience [1][6] - Foreign investment flows significantly impact the RMB's value, with increased foreign investment in China putting upward pressure on the RMB, while capital outflows can lead to depreciation [1][4] Group 2 - Exchange rate fluctuations directly affect consumers, particularly those planning to travel abroad or engage in cross-border shopping, as a stronger RMB reduces costs for these activities [2][4] - Export-oriented companies are sensitive to RMB appreciation, which can reduce their revenue when converted back to RMB, while importers benefit from lower costs for raw materials [4][6] - Investors need to be aware of how exchange rate changes can affect returns on USD-denominated assets, with appreciation of the RMB potentially reducing the value of returns when converted back to RMB [4][6] Group 3 - Future trends of the RMB exchange rate depend on several factors, including domestic economic data, US economic conditions, and global risk factors such as geopolitical tensions [6][8] - Companies and long-term investors should consider diversifying their currency exposure to manage risks associated with exchange rate fluctuations [6][8] - Understanding the factors influencing the RMB/USD exchange rate can help consumers and investors make informed decisions regarding spending and investment strategies [8]
2025上半年财险公司利润榜&成本率榜:人保盈利第一,平安增速快,太保车险成本率两连降,行业利润再提升...
13个精算师· 2025-09-16 15:54
Core Insights - The property insurance industry has seen a significant increase in net profits, surpassing 50 billion for the first time, marking a historical high for the same period [10][11][12] - Both investment income and underwriting profits have risen, contributing to the overall profitability of the sector [8][14] - Among the top three insurers, PICC leads in profitability, while Ping An shows the fastest premium growth and Taiping has reduced its cost ratio for two consecutive years [35][36][37] Group 1: Industry Performance - In the first half of 2025, 86 property insurance companies reported a total net profit of 52.5 billion, an increase of approximately 13 billion year-on-year, representing a growth rate of 33% [11][12][20] - The average investment return for 87 property insurance companies was 1.83%, up from 1.24% the previous year, indicating a rise of about 0.59 percentage points [14][15] - 67% of the companies saw a decrease in their comprehensive cost ratio, with 56 out of 84 companies reporting improvements [12][15] Group 2: Leading Companies - PICC achieved a net profit of 243.76 billion, a year-on-year increase of 59 billion, solidifying its position as the industry leader [29][30] - Ping An's premium growth rate is the highest among the top three insurers, with significant improvements in both auto and non-auto insurance segments [36][39] - Taiping's auto insurance cost ratio has decreased for two consecutive years, reaching 95.3% in the first half of 2025 [36][39] Group 3: Mid-Sized Insurers - Six insurers with a scale of 300 billion or more reported a comprehensive cost ratio below 100%, indicating underwriting profitability [40][41] - These companies, including Guoshou Property and Dadi Property, have seen improvements in both premium scale and underwriting profitability [40][41] Group 4: Loss-Making Companies - Eight property insurance companies reported losses, with Qianhai United leading the loss list at 0.51 billion, continuing a trend of consecutive losses [43][47] - The high comprehensive cost ratio of these companies, often exceeding 110%, has been a significant factor in their financial struggles [50][51]
央行史无前例大放水
Sou Hu Cai Jing· 2025-09-15 12:18
Group 1 - The People's Bank of China continues large-scale reverse repurchase operations, releasing medium-term liquidity with a total of 1.6 trillion yuan in operations for the month, the highest level since January [7] - The offshore RMB bond market sees a fundamental shift in issuance structure, with non-Chinese enterprises' monthly issuance surpassing 35 billion yuan, significantly exceeding the 15 billion yuan from Chinese enterprises [9] - High-quality non-Chinese issuers can save approximately 44 basis points in costs by issuing dim sum bonds and converting to USD compared to directly issuing USD bonds [9] Group 2 - The S&P 500's third-quarter earnings growth forecast has been slightly raised from 7.2% to 7.6%, primarily driven by strong prospects in the technology sector [31] - The S&P 500's revenue growth expectation for the third quarter has increased from 4.8% to 6.2%, with the technology sector leading at 13.9% growth [32] - The U.S. banking sector has accumulated unrealized losses of up to $395 billion due to rising interest rates affecting bond market values [35] Group 3 - The U.S. consumer confidence index fell to 55.4, the lowest since May, with inflation expectations rising [28] - Concerns over potential retaliatory tariffs from China have led U.S. farmers to shift large-scale planting from soybeans to corn, with corn planting area expected to reach nearly 99 million acres, the highest since 1936 [43] Group 4 - Fitch downgraded France's sovereign credit rating from AA- to A+, citing political deadlock and challenges in achieving significant fiscal consolidation [47] - S&P upgraded Spain's sovereign credit rating from A to A+, reflecting improvements in private sector deleveraging and external financial conditions [50] - Fitch upgraded Portugal's sovereign credit rating from A- to A, highlighting significant progress in reducing public debt [53] Group 5 - India's Securities and Exchange Board has introduced reforms to lower the minimum IPO equity dilution ratio for companies with a market capitalization over 5 trillion rupees from 5% to 2.5%, aiming to facilitate large companies' listings [66] - Thailand's gold exports to Cambodia surged by 19% year-on-year, raising suspicions of potential money laundering activities [69] Group 6 - Hedge funds have reduced their net long positions in WTI crude oil to a record low of 12,657 contracts, driven by multiple bearish factors including OPEC+ decisions and forecasts of severe oversupply [75]
歌尔股份(002241.SZ):歌尔光学拟通过定向增资扩股方式合并上海奥来
Ge Long Hui A P P· 2025-09-12 14:15
Core Viewpoint - The transaction aims to enhance the core competitiveness of Goer Optical Technology Co., Ltd. in the field of wafer-level micro-nano optical devices, supporting future developments in AI smart glasses and AR technology [1][2] Group 1: Transaction Details - Goer Optical plans to acquire 100% equity of Shanghai Aolai Micro-Nano Optics Co., Ltd. and Shanghai Aolai Micro-Nano Optoelectronic Information Technology Co., Ltd. through a capital increase of 529.511488 million yuan [1] - After the transaction, Goer Optical's registered capital will increase from 1,059.022976 million yuan to 1,588.534464 million yuan, and the company's shareholding in Goer Optical will decrease from 56.6560% to 37.7707% [1][3] Group 2: Strategic Benefits - The merger will allow Goer Optical and Shanghai Aolai to complement each other's strengths, significantly enhancing Goer Optical's competitive edge in the micro-nano optical device sector [2] - The capital increase will alleviate Goer Optical's financial pressure for independent investments and help accelerate the establishment of mature production capacity in relevant fields [2] Group 3: Financial Implications - If Goer Optical is no longer included in the company's consolidated financial statements, the accounting method for the investment will shift from the cost method to the equity method, potentially resulting in an investment income of approximately 2 billion yuan at the time of the transaction [3]