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t公司理财

发布时间:2021-07-31 14:04:01

A. 光大银行推出T计划理财产品安全吗

如果是银行推出的理财产品基本可以放心,但是仔细算一下就感觉受益非常小,不如考虑一下现在行情正好的P2P。银行已经只是个货币服务站了。

B. 各大行T+0理财的年收益大约多少

10%的可以么

C. 公司理财上说权益资本成本的计算R=无风险利率+β*风险溢价。

按照资本资产定价模型,普通股资本成本(即权益资本成本)等于无风险利率加上风险溢价。
根据模型,必须估计无风险利率、股票的贝塔系数以及市场风险溢价。
1、无风险利率的估计。
a.通常认为,政府债券没有违约风险,可以代表无风险利率。在具体操作时,选择长期政府债券的利率比较适宜,最常见的做法是选用10年期的政府债券利率作为无风险利率的代表。
b.选择上市交易的政府长期债券的到期收益率(而非票面利率)作为无风险收益率的代表。
c.选择名义无风险利率(而非真实无风险利率)。
2、股票贝塔值的估计。
a.选择有关预测期间的长度。原则:宁短勿长。
b.选择收益计量的时间间隔。周/月收益率。
虽然贝塔值的驱动因素很多,但关键的因素只有三个:经营杠杆、财务杠杆和收益的周期性。如果公司在这三方面没有显著改变,则可以用历史的贝塔值估计股权成本。
3、市场风险溢价的估计。最常见的方法是进行历史数据分析
a.选择时间跨度。应选择较长的时间跨度。
b.权益市场平均收益率选择算数平均数还是几何平均数。算数平均数是在这段时间内年收益率的简单平均数,而几何平均数是同一时期内年收益率的复合平均数。多数人倾向于采用几何平均法。
希望以上回答,能帮助到您!

D. 公司理财的计算题,谢谢。

(1)先计算权益融资成本p=div/r-g,即10=2(1+5%)/(r-5%)
解得rs=26%
则rwacc=(800/2000)*10%*(1-33%)+(1200/2000)*26%=18.28%

(2)假设无杠杆公司的版股权成本为r0
则rs=r0+D/E(1-t)(r0-rd)
26%=r0+800/1200*0.67*(r0-10%)
解得r0=15%
方案A rs=15%+900/1200*0.67*(15%-12%)=16.5%
rwacc=900/2100*12%*0.67+1200/2100*16.5%=12.9%
方案B rs=15%+800/1300*0.67*(15%-10%)=17.1%
rwacc=800/2100*10%*0.67+1300/2100*17.1%=13.1%
比较rwacc,选择权融资成本较低的A方案,也就是债务融资。
(注:以上计算保留小数位数较随意,可能存在一定误差,方法思路是这样,您最好再动手算一算)

E. 货币基金和银行T+0理财两者有什么区别

货币基金的优势主要有两方面,一是门槛更低,二是购买更加便捷。
货币基金大多是1分或1元起购,可以说是零起点,人人都能买得起,每个月发了工资之后可以顺手就买个几千元。
银行理财目前最低购买起点是1万元,目前大部分T+0理财的购买门槛是1万元,少部分是5万元,只有理财子公司的个别产品是1元起购,但是目前理财子公司还太少,产品也非常有限。此外,T+0理财如果赎回的话,剩余资金也必须至少是1万元,否则要全部赎回。
货币基金在各大理财平台都可以买到,直接在网上操作即可。投资者在互联网理财平台购买产品要在网上做风险评估问卷,货币基金是低风险,任何投资者都可以购买。
目前首次在银行购买理财产品,仍然是要到网点做风险评估问卷的,这对于很多习惯在网上理财的年轻人来说是一道门槛。
银行T+0理财的优势也有两方面,一是收益率更高,二是流动性更高。
货币基金大家都比较清楚了,平均收益率已经跌破2.4%,这两年跌幅非常大。
银行T+0理财收益率近两年也一直在下跌,但是相对来说收益率更高一些,目前平均收益率超过3%,大致在3%~3.3%之间。
货基金是T+1交易机制,工作日15:00之前购买,下一个工作日起息,工作日15:00点之前赎回,资金要第二个工作日到账,不过还好每天还有1万元的快速赎回额度。
银行T+0理财从名称就可以看出来,是T+0交易机制,工作日的交易时段时段购买,当日起息,每家银行规定的工作时段不同,一般是15:00~16:30之前属于工作时段;工作日的交易时段赎回,资金实时到账,而且不限额,或者说支持大额资金快速赎回。
综合货币基金和银行T+0各自的优势,投资者该如何选择?如果你有一家银行的银行卡,并且在线下网点做过风险评估问卷,并且资金超过1万元,那么购买T+0理财更合适;如果不满足上述条件,就只能购买货币基金了。
对于银行理财,建议在投资前到辨险识财查看一下产品评价报告,可以对银行理财产品做一个比较全面的风险评价,这样,可以有效保证资金的安全。

F. 《公司理财》中盈亏平衡点的公式的问题

问题1:推导:设销售量为x,则
[x(P-VC)-FC-D](1-t)+D-EAC=0
求出x即可

G. 我准备做白银T&D投资,哪里有比较好的投资理财公司可以帮助我获得更高的收益

百分之五十的回报率,估计没有那个理财产品能短期如你所愿,股票和基金都是长期投资产品黄金目前价位偏高虽然回报率稍高但是也没这么离谱,关键是你这两千的基准如何入呢!网上去投纸黄金吧15的回报率是有的。

H. 哪个基金公司的t+0货币基金好

货币基金的投资标来的主源要有短期国债,央行票据,银行定期存单等安全性极高的产品,所以货币基金的安全性非常高。

货币基金收益的衡量标准是七日年化收益率和万份收益。

七日年化收益率就是最近7天的年化收益率,每天的7天都是不一样的,它是会浮动变化的,只可以作为参考标准,不代表你买了后每天都是这个收益。

万份收益是指每一万分收益,因为货币基金净值永远是1,所以万分收益就是买一万元可以获得的收益是多少。

因为收益每天都是浮动的,所以年收益也是浮动的,大概在3.5%-4.5%之间。

正因为货币基金的安全性和流动性都比较强,买的时候选收益高的那个就可以了。

巴菲特多次忠告投资者:“一定要在自己的理解能力允许的范围内投资。”

磨刀不误砍柴工,投资之前先学习一下理财知识,了解清楚再进行投资更好。

I. 公司理财 ebt什么意思

Economic International Technology简称ETB,中文名全球比特联盟, 为解决现在区块链技术所遇到的问题,2017年五月中旬由全球最大比特币矿工联盟发起成立ETB项目组,历时半年时间ETB通过最顶尖加密技术在继承比特币优良特性的基础上对现存问题进行革新,ETB加密货币总发行量2100万枚,ETB区块使用现在的线性算法进行挖矿动作,而是使用仿生的房产网络算力继承模式,形成一个虚拟货币房产网络,我们把每一个账户认定为一个ETB,把每一个支付结算应用利用房产末梢的模拟完成最终的支付即时完成。

伟大科技让原本复杂的世界变得简单了。久远的不必赘述,仅数十年来,计算机、互联网、智能手机等高新技术的纷至沓来,就让曾经普通人难以想象的事务,譬如全球通信变得现实且简单了。目前在更为复杂的全球房地产投融资领域,也正在迎来一场走向简单的变革。这得益于区块链技术的崛起和智能合约的运用,并由ETB平台带入了现实。

ETB希望,通过基于区块链技术和智能合约运用的投资平台,将全球投资者和房地产项目链接起来,并在线直观的呈现整个房地产项目的一切,从原材料、物流,施工到完工,再到经营和收益等等,让房地产投资变得透明、易懂、可预测,通过ETB平台,任何投资者都可以投资任何国家的房地产项目,地产商也将可以更直接的面对投资者。

不妨回忆一下我们的日常网购生活:当我们相中某款商品时,都会先将费用支付给交易平台,诸如淘宝或者京东,然后等待商家发货,在我们确认收到货物之后,平台再将费用转交给商家。在这个购物流程中,我们之所以能相信陌生的卖家,是因为我们别无选择的只能相信交易平台,否则就无法交易。而基于区块链技术就不必如此复杂了,比如在Eit平台,投资者和地产商只需要相信自己的判断就可以直接互动,Eit需要做的,只是对投资者身份和房地产项目进行严格审核,并提供代币保障平台交易的正常进行就可以了。

如果说昨天,区块链技术的应用还仅限于银行、证券、基金等少数金融领域,那么现在,区块链已经开始直接影响普通人的日常生活,ETB房地产投资分散型平台的出现,以及区块链进入建筑业,改变了我们对房地产投融资领域的传统看法,信任与合作已经如此简单。

比特币社区作为比特币技术的研发中心,同时担负起了引导整个行业技术革新的使命,我们在不断演进区块链技术的过程中发现,整个行业出现了一些致命的问题!包括比特币的区块链技术!所以我们从2018年起开始对现在的区块链技术进行革新和迭代,以下内容将详细的阐述区块链所遇到的问题以及Eit区块链怎么来解决这些问题,同时公布生命体区块链核心算法。

问题一:区块链无法真正融入消费场景!

比特币的长期愿景就是对现有货币体系进行数字化对接,让比特币成为现实货币的数字化内核,但是不管是比特币还是其他的区块链技术都无法真正实现这个目标,至少到现在为止所有的区块链都只具备一个属性那就是投资属性,出现这个问题的主要原因其实是技术上的几个问题,第一,数字货币的交易时间,现存的区块链交易技术是无法实现实时交易的,因为在设计之初为了安全和去中心化等问题,我们抛弃了大量时效性的方法。无法实时完成货币交割,这是最大的问题!

问题二:区块遗失!

这个问题是个综合的问题,部分区块的遗失一般出现在几种情况下:

1、账户标记遗失

2、矿机标记遗失

3、所有人无有效继承

这个问题看似很小,但是对于区块链的影响是致命的,因为经过不断的遗失最终区块的总量将会越来越少,所以对应的价值将会持续增高,增加的投机者的投资驱动力,对一个区块链的健康长期的发展产生恶性循环,并且让用户对整个区块链无法信任。

问题三:去中心化技术运营

比特币社区就是为了去中心化的技术更新而存在的,但是我们其实无法把真正好的技术更新快速完成因为大部分的冷钱包和矿机要接受这一次迭代更新,技术更新才能完成,比特币在设计上和公平性上都是没问题的,但是其实我们忽略了一个重要的问题-延迟性!我们发现想要完成一个技术迭代现在看来几乎是不可完成的,因为没有人愿意改变,可能这才是我们遇到的最大的问题吧!

Eit的房产网络区块链将会轻松的解决以上问题!

解决方案一:时效消费场景交易

消费场景在Eit的设计中主要分为两个层次-线上和线下,我们首先改变我们对钱包的认知,生命体的钱包首先是一个网络版本没有冷钱包的设计,主要就是为了解决交易的时效性。

线上交易:每一个需要支付环节的线上应用都可以对接我们的钱包API,快速完成交易,货币交割时间1-3秒。

线下交易:线下支付我们将提供一个类似的API给到支付工具的设计厂商,通过快速开发包,完成线下支付工具的开发,交易时间同样是1-3秒!

解决方案二:钱包绑定机制

首先我们在考虑一个问题-到底用户的凭证是什么?移动互联网时代,手机就是用户最时效和准确安全的凭证,我们的钱包设计基于对用户手机的绑定,通过绑定手机环节不仅可以有效解决账户遗失问题,继承问题同时有效解决!

解决方案三:去中心化的技术

这里为什么叫技术运营呢!其实技术的更新就是对整个体系的运营,我们在Eit设计了一个投票机制所有的钱包根据一个权重体系完成投票环节,通过权重体系的认定快速强制性完成钱包和矿机算力的更新!

未来已来,希望Eit的引入能够真正的革新整个区块链行业!

Cloud - referred to as "ETB, Chinese bits of Cloud, to solve the problems now block chain technology, by the world's largest currency in mid-may 2017 miners union launched ETBproject team, lasted six months, ETBby top encryption technology on the basis of succeeding to the good features of the currency of existing problems in innovation, ETBencryption currency a circulation of 21 million pieces, ETBblock using linear algorithm for mining action now, but using bionic property network force inheritance pattern, forming a network of virtual currency property, us to identify each account as a ETB, apply every payment settlement to complete the final payment of housing endings simulation done immediately.

Technology is making great originally complex world becomes simple. No more long, only for decades, the high and new technology such as computer, Internet, smart phones, let ordinary people once unimaginable transactions, such as global communication become reality and simple. At present in the field of more complex global real estate investment and financing, is also usher in a change to the simple. Thanks to block the rise of chain technology and intelligent use of contract, and by the Eit platform into reality.

ETBhope, through technology and intelligent use of investment contract based on block chain platform, link to global investors and real estate projects, and online visual rendering the whole real estate projects, from raw materials, logistics, to the completion of construction, to operation and benefits, etc., let the real estate investment in a transparent and easy to understand, predictable, through the platform of ETB, any investors can invest in real estate projects of any country, developers will also can more directly in the face of investors.

May recall our daily online life: when we phase of a proct, all fees paid to first trading platform, such as taobao or jingdong, and then wait for the businessman shipment, after we confirm receive the goods, the platform to transfer the cost to merchants. In the shopping process, we can believe that the strange sellers, because we have no choice but can only believe that the trading platform, otherwise, cannot trade. And based on block chain technology is not so complicated, in Eit platform, for example, investors and developers only need to believe that your judgment can direct interaction, Eit need to do, just for investors to strict audit status and real estate projects, normal trading platform and provide tokens, guaranteed.

If yesterday, block chain technology application is limited to a few financial sectors such as banking, securities, fund, so now, block chain have begun to directly affect the daily life of ordinary people, the emergence of Eit dispersible in real estate investment platform, as well as the block chain into the construction instry, changed our ideas about traditional in the field of real estate investment and financing, trust and cooperation have been so easy.

As COINS COINS community technology research and development center, at the same time shoulder the mission of the guide the whole instry technology innovation, we are in the process of evolving block chain technology, found that some fatal problems the instry! Including the currency block chain technology! So we started since 2018 to now block chain technology innovation and iteration, the following will be detailed in this paper, the problems and ETB block by block chain chain how to deal with these problems, at the same time announced life block chain core algorithm.

Problem a: block chain can't really into consumption scene!

The currency's long-term vision is digitally docking to the existing monetary system, for the currency to become real currency digital kernel, but whether the currency or other block chain technology can really achieve this goal, at least so far all chain blocks only have an attribute that is investment property, the problem is the main reason of the technology on a few questions, first of all, digital currency trading time, the existing block chain trading technology is unable to realize real-time transaction, because at the beginning of the design for the sake of safety and decentralization, we abandoned the timeliness of the method. Unable to complete real-time delivery, money is the biggest problem!

Problem two: block is lost!

This problem is a comprehensive problem, missing some blocks generally appear in several cases:

1, accounts tag missing

2, mill tag missing

3, all without effective inheritance

This problem seems to be very small, but for the influence of block chain is deadly, because after constantly lost finally the amount of blocks will be less and less, so the corresponding value will continue to increase, increase investment speculators driving force, to the health of a block chain development create a vicious cycle for a long time, and let the user to the whole block chain cannot be trusted.

Question 3: decentralized technology operations

COINS community is to the existence of decentralized technology updates, but we really can't finish the really good technology updated quickly because most of the cold wallet and ore confidential to accept this time iterative update, update technology to complete, the currency on the design and fairness are no problem, but actually we ignored an important part of the problem - the delayed! We found that want to complete a technical iteration now is almost impossible, because no one is willing to change, perhaps this is the biggest problem we met!

ETB property chain network blocks will be easy to solve the above problem!

Solution a: aging consumption trading scene

Consumption scenarios in the design of ETB - online and offline mainly divided into two levels, the first thing we change our cognition to the wallet, purse is first and foremost a network version of the life not cold purse design, main is to solve the timing of the deal.

Online transactions: each link need to be paid for the online application can be docking API, our wallet quickly complete the transaction, currency delivery time 1 to 3 seconds.

Offline payment: offline payment, we will provide a similar API to pay the tool design manufacturers, through rapid development kit, complete offline payment tool development, trading time is also 1-3 seconds!

Solution 2: wallet binding mechanism

First of all we are thinking about a question - what is the end user's credentials? Mobile Internet era, the mobile phone is the most limitation and accurate user security credentials, our wallet design based on the binding of user's phone, through binding mobile phone link not only can effectively solve the problem of account lost, succession and effectively solve!

Solution 3: decentralized technology

Why call technology operations here! Technical update is actually on the system's operation, we have design a voting mechanism in Eit all wallet, according to a weight system to complete the voting link through the weighting system of fast is mandatory to complete the wallet and mining machine force update!

Future has come, in the hope that the introction of the Eit can truly the innovation of the whole block chain instry!

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