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夏心愉出现这些现象的私募基金,基本上不会靠谱
2020-01-08 00:54   来源:  www.carrylines.com   评论:0 点击:

夏心愉出现这些现象的私募基金,基本上不会靠谱“愉见财经”的一个朋友买了一只私募产品,中招了:在产品兑

“愉见财经”的一个朋友买了一只私募产品,中招了:在产品兑付展期大半年都没人搭理后,一切迎来了大结局:这家私募基金干脆失联了,APP也登陆不上了。

A friend of the company's bought a private-equity product: after the product's payment extension lasted for more than half a year, it all ended up: the private-equity fund simply went missing and the app couldn't land.

-私募基金都是高大上的,是替有钱人管理财富和钱生钱的;-私募可不是骗人的P2P,他们是证监会发放的牌照、是持有国家正规金融牌照的,所以不可能发生诈骗;-私募基金基本上就是利息更高的银行理财产品;-在私募执业的可都是金融专业的海归,全部都是值得信赖的内行人。然后其实并不尽然。

- Private-equity funds are tall and manage wealth and money for wealthy people;- Private equity is not a fraudulent P2P, which is a licence issued by the SFC and is a national formal financial licence, so there is no possibility of fraud;- Private equity funds are basically higher-interest banking products;- Private equity practice can be practised in the financial profession, all of which are trusted professionals. And then it wasn't.

首先,对于很多私募销售开口闭口说自己有“金融牌照”、受证监会监管等,请各位明辨,私募基金管理人登记证明,是一种登记备案,并不是一张“金融牌照”,更谈不上任何人(政府、监管、托管人)有义务来兜底。

First of all, for many private sales to say that they have a \"financial licence \", by the supervision of the commission, and so on, please distinguish, private fund managers registration certificate, is a kind of registration record, not a\" financial licence \", let alone anyone (government, regulatory, custodian) has an obligation to cover the bottom.

私募基金的登记备案,不代表对私募基金后续的合规运营、投资能力进行了背书,更不代表备案过了就一定会刚兑,或保证投资人财产安全。

The registration and filing of private funds does not represent the endorsement of the subsequent compliance operation of private funds, investment capacity, not to mention the record will certainly be just confirmed, or ensure the safety of investors property.

其次,“愉见财经”听到过一个很扯的说法,说银行的理财产品也说自己不保本不保息,只有4%,私募基金也说自己不保本不保息,但有8%,所以显然是后者划算啊……我晕啊……

Secondly,\" happy to see finance \"heard a very bullshit saying that the bank's financial products also said that they do not keep interest, only 4%, private equity also said that they do not keep interest, but 8%, so obviously the latter is a good deal. I'm dizzy...

讲真,过往的那种银行“资金池对资产池”的理财,说实话其实都是银行自己的隐性背书,不会出事的;现在转净值化了,收益虽浮动但其实更明晰,大家投资前可以看个风险等级,那些低风险的,其实是相当稳定可靠的。

To tell you the truth, the bank's \"fund-to-asset-pool\" financial management in the past is, in fact, the implicit endorsement of the bank itself, it will not happen; now the net value, although the return floating but in fact more clear, we can see a risk before investment, those low-risk, in fact, is quite stable and reliable.

而私募产品呢,一则,要高度警惕是不是根本就是拿着虚假标的、进行自融等,而套着个“私募”的幌子。前阵子不还爆出了个雷人事件,某家私募原来是一个负债累累的在逃“老赖”控制的,只是台面上让自己的司机出任法定代表人和董事长,用4年时间非法募集了近40亿元,最终东窗事发,被警方刑拘,留下近21亿元去向不明的兑付窟窿。

And private-equity products, a high degree of vigilance is not simply with false targets, self-financing, and a \"private\" cover. A few days ago there was not a thunderbolt incident, a private equity was a debt-ridden \"rascal\" control, only on the table to let his driver as legal representative and chairman, four years illegally raised nearly 4 billion yuan, the end of the incident, was arrested by the police, leaving nearly 2.1 billion yuan to the unknown payment hole.

二则,就算这家私募不是骗子,也还要关注他们的实际投资能力、关注自己的钱到底投进了什么标的以及标的运营情况。其中涉及投资标的风险、流动性风险、募集失败风险、基金运营风险,这些都会带来最终的资金损失风险。

Second, even if the private-equity firm is not a liar, it should also pay attention to their actual investment ability, their own money into what the target and the operation of the target. It involves the risk of investment target, liquidity risk, raising failure risk, fund operation risk, which will bring the final risk of capital loss.

所以“愉见财经”写稿子有时候也觉得尴尬。银行理财吧,为了合规必须说自己“不保本”;私募吧,为了拉生意还各个都说“放心吧,肯定保本保收益”。两者相比,谁靠谱,其实很明白了。

So it's sometimes embarrassing to write a book. Bank management bar, in order to comply with the need to say that they \"do not maintain capital \"; private equity bar, in order to pull the meaning of each said\" rest assured, definitely protect the benefits.\" Compared with the two, who is reliable, in fact, very clear.

不过话分两头说,私募基金鱼龙混杂,换句话说,真龙还是有不少。也因此,私募基金的投资门槛的确是高的。那是给真正懂行的合格投资人去判断的,他们能够鉴别出靠谱的有投资能力的私募,不管是投向一级还是二级市场的。所以监管规定了,投资于单只私募基金的金额不低于100万元,且符合,金融资产≥300万或三年个人年均收入≥50万元。

However, the words are divided into two ends, private funds mixed up, in other words, there are still a lot of real dragon. Therefore, the threshold for private equity investment is indeed high. That's for qualified investors who really know the job, who can identify reliable private equity, whether it's in a primary or secondary market. So the regulation stipulates that the amount of investment in a single private fund is not less than 1 million yuan, and in line with, financial assets ≥3 million or three years of individual annual income ≥500,000 yuan.

但是很多私募会想办法来突破这些门槛,比如常见的就是拆标、转让,用这些方式把100万的门槛拆成了散份,这样就把不具备风险判断能力的普通投资人都引诱上船。

But many private-equity firms will find ways to break through these barriers, such as removing bids, transferring them, and using them to break down the 1 million threshold so that ordinary investors who don't have the ability to judge risk are lured on board.

我还是建议普通投资人,不要去贪私募的收益。此外不管哪位,投资私募,还请务必在各种企业查询软件上查清楚您的私募管理人情况和标的情况,排查那种股权套来套去的,排查已有法律诉讼风险的。

I still advise the average investor not to be greedy for private-equity gains. In addition, whoever invests in private equity, please also be sure to check your private equity manager's situation and the underlying situation on various enterprise inquiry software, check that kind of equity cover, check the legal litigation risk.

最后说几句“愉见财经”的武断主观判断。我见过的真心靠谱的私募,其实都是相对实诚和低调的,人家是真心在投研和猎获优质资产的,跟你讲的都是艰涩的投资逻辑,一般不会拍着胸脯吹嘘。所以以下这些现象,基本上不靠谱:

Finally say a few words \"happy finance\" arbitrary subjective judgment. I have seen the true and reliable private equity, in fact, are relatively honest and low-key, people are really in the research and acquisition of high-quality assets, you are talking about the difficult investment logic, generally will not beat the chest bragging. These phenomena are therefore largely unreliable:

-宣传时就承诺本金收益不会损失,甚至鼓吹翻番、翻几番;-专攻老年人等无专业能力投资人的,在普通居民楼宇发宣传单广撒网,甚至组团老年人出游参观等;-喜欢找各种名人站台吹嘘,特别喜欢上媒体广告,各种扯虎皮当大旗;-有事没事就高举“金融创新”、“普惠金融”大旗的;-销售员们群芳斗艳,各款美女齐备的;-销售员们说着貌似专业的术语,但连他们自己都解释不清产品标的和结构设计的……遇到以上,敬而远之吧。

- Promised that the principal income would not be lost, or even doubled;- Specialized in the elderly and other unskilled investors, in the ordinary residents of the building publicity leaflets, or even group visits to the elderly, and so on;- like to find a variety of celebrity platform bragging, especially like the media advertising, all kinds of titillating;- something high on the \"financial innovation \",\"\" inclusive finance\" banner;- the salespeople to fight, the various beauty of the complete;- salesmen said the technical terminology, but even they explain the design of the product and the target. Meet the above, stay away.

中国证券投资基金业协会昨天公布了《关于失联私募机构最新情况及第三十三批疑似失联私募机构的公告》,更新给关心私募的各位。

The China Securities Investment Fund Association released the \"Notice on the Latest Situation of Missing Private Equity Institutions and the 33rd batch of Suspected Missing Private Equity Institutions\" yesterday, which was updated to everyone concerned about private equity.

截至2020年1月2日,中基协已公告1067家疑似失联私募基金管理人,近期,协会在自律核查工作中发现35家新增疑似失联私募基金管理人。(请见文末附表)

As of january 2,2020, the association has announced 1067 suspected missing private fund managers, and recently, the association found 35 new suspected missing private fund managers in its self-regulatory verification work. (See table at the end of the text)

之前听说过其中某家,广募销售人员,从不告诉销售人员真实标的是什么,只是给销售灌输话术,给每个销售硬压下KPI,要求试用期内必须拉足5个人头(每人至少投资100万)的投资客。很多销售走投无路,只能坑亲戚朋友。

I've heard of one of them before, recruiting salespeople, never telling the salespeople what the real target is, just instilling words into the sales, pressing kpis under each sale hard, requiring five investors to pull their heads (at least one million per person) during the probation period. A lot of sales are desperate, only to pit relatives and friends.


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