The year-end bonus, the investment draws bonus,  ... ...The general residents' belt-bag, now is approaching day by day alongwith the Chinese tradition early spring festival but blows up dayafter day. Very many ideas also one daily strong are starting alongwith the holiday taste to desalinate, enter the short dormant period,for instance holds true the wealth custom person to suspend managesfinances the custom, wants to study the person which manages financesto think and so on one and so on said again - the Spring Festivaloverwhelming majority inhabitants had all thought the entire body andmind relaxes plays a happiness.

In fact, this is an erroneous zone, in the happy Spring Festivalactually has many is worth the opportunity which the people holds, howmuch time doesn't need to be allowed to handle in skilled person'swealth, the risk minimum, but perhaps can bring the unexpected harvestto you, how can it be that does such chicken year Spring Festival passis not more enjoyable is quick ah?
Recently, reporter managed finances after long vacation period thequestion to consult the bank expert to discover that, Spring Festivalat least was allowed to utilize six to manage finances captures -
Captures one: Fries collects
First is must raise fries collects, have not forgottenoverseas, specially the European and American countries are only theSpring Festival, therefore besides is normal double rests Japan, theSpring Festival foreign exchange buys and sells the market still torevolve. Incurs good foreign exchange analyst Guo's Min to believethat, on February 4 holds the G7 conference, has the possibility Asiacurrency to be able strongly to select, US dollar exchanges theEuropean currency still to be able to maintain present shaking. Thisperiod of time if the euro toward does not fall, then after the G7conference euro, the pound and so on the non- beautiful currency cancarry on the resilience. The key is looked in February on 1 US thecurrency conference, US dollar interest on futures is 25 or 50 spots?If the euro present 1.30 has not maintained, that euro can fall to1.28 nearby. Such undulation believed to many collects the people is avery big enticement, cannot miss.
Moreover, introduced according to livelihood of the people bankNanjing individual branch chief foreign exchange analyst Li Junfengthat, collects the normal scope which the city undulates every day is1% to 2%, meets the significant event only about 3%, owed also cannotowe how many. It is reported, Nanjing already had, the labor, theagriculture, constructs, the transportation, the water's edge sends,business affairs, the livelihood of the people 9 banks sets up this service. Theold qualifications center line least volumes of trade take 100 USdollars, but some small banks, a US dollar then opens a bank account,were allowed to fry 30 to 50 US dollars collects. What the transactionway is general is way and so on telephone banking, on-line bank,self-service. It is reported, at present fries the income whichcollects to be higher, a year gains 20% to 30% in the circle is verycommon.

Captures two: The Renminbi manages finances the product
This is an emerging investment manages finances the variety,but as soon as promoted since last year receives the Nanjing residentto pursue holds.
At present, the Nanjing commercial bank, the brilliant bank, business affairsthe bank, promotes education the bank, the livelihood of the peoplebank and so on a line of Renminbi manages finances time the producthas promotes. Its investment deadline also is more and more short, theshortest deadline even only has three months, but converts thegrown-up income certainly not to be actually low, achieves 2.1%.
It is reported, at present four great nations had in the bank theindustry and commerce bank, the construction bank and the Bank ofChina all promote respective Renminbi to manage finances the product,the variety more and more enrich to the investor are a gospel. Thebanking circles public figures indicated that, the Renminbi managesfinances the product to regard as important the stable incomeregarding these, simultaneously also does not have the too manyspecialized knowledge and the time resident may to as soon as try,much less the present Renminbi manages finances the product deadlinealso is more and more short, short appeared 3 months deadlines, theinvestor may according to redeem the price in the agreement time toredeem the product, both may guarantee the investment income whichalso results in, and may obtain the opportunities for investment oncemore.
Captures three: The foreign exchange manages finances the product
Is opposite to frying collects, the foreign exchange managesfinances the foreign exchange investment channel which is free fromworry. A US dollar interest on futures lets many foreign exchangeinvestor worry that, the real return is inferior to the savingsdeposit income the aspect. But the bank manages finances the expert toindicate that, actually in anticipated US dollar interest on futuresaround, the Nanjing bank has managed finances to the foreign exchangethe product to carry on "reduces staff", may feel relieved thepurchase.
Because massively remits money wells up into, around the SpringFestival resident's foreign exchange deposit also can largelyincrease, therefore the bank New Year's greeting service also couldnot lack the foreign exchange to manage finances. The foreign exchangeservice the quite makes many center line, it "the spring, summer,fall, and winter" the foreign exchange managed finances the product tostart from January gradually to enter "the sale" the time interval.According to the center good public figure introduced that, thisproduct "05 spring series" the last ten days of the month willsubscribe the closure in February. Because is in sole possession ofthe flexibility, the fluidity and the transparency, the product assoon as goes on the market receives the foreign exchange investor'sheat to hold. Promotes the only for two months, sells the quantity topress up to 100 million US dollars.
It is reported, at present the spring, summer, fall, and winter serieshad 6 series, 6 kind of deadlines altogether 36 products stilloccupies the sales time. By January 11, 2005 quoted price, "05 springseries" 3 months products real return rate has achieved 2.351%, butthis series 1 year time product real return rate had achieved 2.758%,obviously compared to purely save the foreign exchange the bank totake the interest to have to take into account.
Captures four: Etiquette deposit receipt
The early spring festival, the Chinese likes while this livelyholiday huddling together holds the marriage celebration, such first,unavoidably "the red package" all over the sky flies, "the etiquettedeposit receipt" arises at the historic moment. According to reporterunderstood, at present Nanjing several banks "etiquette depositreceipt" already in 2005 in New Year's Day cabinet.
"The etiquette deposit receipt" from the function said "regular entiresaves with ordinary the Renminbi entire takes the deposit" or "theRenminbi combination fixed/current account" same, but not only isbrings "the ritual" the character, its face value greatly haddifferently, the print jubilation was extremely fine, pays new year'scall the field which or other congratulated to come in handy it tomake "the red package" it may be said thing suitable it used. In thisyear the good etiquette deposit receipt also had an unconventionalidea designs "the golden rooster New Year's greeting", "xi jie lian yuan","passes the palace examination", "suo bi man shan", "happy moves the newhome" and so on eight subjects envelopes, was allowed separately touse in the different situation.
The bank person concerned stated that, "the etiquette deposit receipt"the interest and the ordinary deposit are same, but it is in solepossession of "the emotion" and "the collection" the value deeply isactually welcome the resident. Last year Spring Festival, "theetiquette deposit receipt" it is said appeared "has been out ofstock".
Captures five: The education manages finances the product
Some question possibly is many people in charge's parentsregular meetings thinks: How does child's new year's money spend?China's tradition is this, Spring Festival the child unavoidably hasthe new year's money, how does this part of Qian Gai plan not randomlyspends? Manages finances the expert to think first may consider thebank the education deposit. At present a year time education depositinterest rate 2.25%, three years time 3.24%, six years time 3.6%.Because does not need to buckle the interest tax, such interest rateis really hits really, the income certainly does not manage financessome the product to be lower than. Simultaneously educates the depositbecause may fixed time regularly store, but also can foster the childto have the plan arrangement matter the good custom, it may be saidkills two birds with one stone.
Next may consider the bank promotes the education manages finances theproduct, if the brilliant bank "the growth plan", the pre- year income rate 4.13%, manages finances the deadline is 4.5 years,subscribes beginning 15,000 Yuan /, if holds the full 4.5 years, thenthe plan accumulation income rate may reach 18.58%. But in US dollareducation product its due date general arrangement in May, in June, inthe July three months, must pay the education expense when theinvestor repays the capital and the income to it, cannot delay thechild to go to school spends money.
Captures six: Gold: Guarantees the value avoid it
Fries the golden service along with an agricultural line of inkind gold bar and center line of paper gold service promoting, friesthe gold to start by more and more many people to accept. But investsthe gold, the concerned expert thought the investor needs to make thelong-term investment plan.
Because the gold market opportunity is fleeting, very difficultassurance, moreover takes the investor, not only must pay attention tothe Shanghai gold price, but also must pay attention to theinternational political economical situation, the stock trend, the ourcountry political economical situation and so on three aspectsfactors, as well as attention world gold trend, because it andinternational gold market compactness is extremely strong. With make stock and fries collects compares, fries the gold to be often higherregarding investor's comprehensive quality request. Therefore someexcel at the investor which the actual price fries collects to beallowed in the golden city as soon as to wrestle.
The expert indicated that, regarding the gold, first must explicitlyuse it to guarantee the value avoid it function. The gold continuouslytook the tradition avoid it the product, in faces under in particularthe war anticipated situation, the gold guarantees the value avoid itfunction is does not have may substitute. Therefore, the goldtransaction suits the long-term investment way, personally fries thegold, in the short-term must have the very great income thepossibility not to be big, the investor should pay great attention tothe value to grow but is not congenially makes a profit.
"The golden rooster announces the dawn", "is big ' the chicken ' thebig advantage", chicken year in folk always with wealth relation intogether, the eye takes a look the early spring to approach, no matteris holds true wealth custom you, or has not managed finances customyou, thought all cannot let off at present this "year of the wealth"the auspicious good beginning, that quickly goes into action, teachesabove with the bank expert six big manages finances "gives up study"wins a color!