mbt italia Bonds quiz _2357 -

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Knowledge of bonds

First, what is bonds?

A: The state bonds is not printed in-kind coupon surface, and by filling in the various types of urban and rural residents to the individual and the savings of investors in bonds issued. Easy to buy bonds, cash and flexible, the interest rate concessions, income stability, security, risk-free, has become a popular medium and small investors in major debt investments.

the Ministry of Finance bonds issued on behalf of the Central People's Government, in accordance with national macroeconomic policy arrangements to use the national debt,[link widoczny dla zalogowanych], is a national credit guarantee financing for the activities, and therefore its highest credit rating, no investment risk. This is a commercial credit for the guarantee of other forms of investment can not be compared.

II bonds What are the advantages?

A: The bonds have similar savings,[link widoczny dla zalogowanych], and better than the characteristics of savings, especially for the lack of professional financial management knowledge, the pursuit of prudent investment income of wage earners and the elderly.

1, the highest credit rating. Savings in bank credit as a basis, and although the bonds through commercial banks and postal savings counter sales, but it represents the state credit, is zero risk investments.

2, sale outlets and more convenient to buy. 40 national banks and postal savings, nearly 80,000 outlets for the sale of bonds and payment services, most of the nearby urban and rural residents can buy bonds.

3, realization of flexible, safe and good. Although the bonds can not be traded but can be redeemed in advance in case of special needs, can also be redeemed at any time of the original cash purchase outlets; bonds can be anonymous and report the loss, such as accidentally missing relevant documents can be made to the original purchase network claims for loss reporting procedures to ensure safety.

4, income benefits. Bonds held to maturity yield higher than the same period of the payment after the actual income tax savings; ahead of time to set the points redeemed file by holding interest rates much higher than the bank to withdraw their benefits.

5, strong financial functions. Investors buy the bonds at the same time, that is, get a good financing tool, when you need small loans, bonds used as collateral to pledge the original purchase of bank financing.

Third, purchase, payment bonds which note?

1. bonds issued real-name system, so investors buy the bonds in the process of business, the need to bring their own identification cards.

2. starting point for the amount of bonds to buy 100 yuan, more than 100 yuan must be an integer multiple of hundred dollars.

3. in urgent need of funds, investors can apply for bonds redeemed prior to debt collection business or the collateral certificate as collateral for loans. Bonds redeemed early for business, not part of the redeemed in advance, and the need to follow a certain percentage of the principal amount redeemed to pay fees, at present, the Ministry of Finance fee was redeemed in advance 1 ‰.

4. in the purchase of bonds issued during the period, the bank will calculate due date on Japan. For example, investors March 1, 2004 to purchase the three-year bonds, the maturity date of March 1, 2007, investors in March 1, 2007 or after to purchase for cash the business sector.

5. issuance of bonds purchased after the end of the longest interest-bearing time for the corresponding period ended period ended on interest-bearing debt; in the current debt payment due for payment after the procedure, no longer pay cashing fees. Such as the 2004 Certificates of (a) the date of issuance of government bonds for the March 1 to March 31, April 5 investors bought the bonds of three-year, its calculation of interest up to March 2007 31; investors in the March 1, 2007 after payment of the bonds without paying any fees.

6. after the expiration of the bonds, to be in time for payment procedures, overdue payment without interest.

four bonds with commercial banks and trading counter sale of the book-entry treasury bonds What are the major differences?

A: The OTC trading price of book-entry bonds are determined by the market, the sale price (net) may be higher or lower than the issue of face value. When the selling price higher than the purchase price that the seller was not only the interest on the national debt during the holding period, but also access to some of the spread income; when the selling price is lower than purchase prices, shows that although access to the seller the holding period of the bond interest, but also pay a part of the spread loss. Therefore,[link widoczny dla zalogowanych], investors purchasing book-entry treasury bonds sold before maturity, their prices are not predictable in advance, to bear certain interest rate risk.

bonds when issued will be redeemed ahead of time have different interest rates made the sub-file provides investors the bonds can be redeemed early gains can be anticipated in advance,[link widoczny dla zalogowanych], will not change with changes in market interest rates change, do not assume changes in market interest rates brought about by price risk.
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