The opening price of the 244th issue of the 2065438+2008 financial bonds of the Postal Savings Bank is set at 7.47% per week. How reliable is it?

Not reliable. In February 20 18, the yield of national debt was less than 4%. Most investors in the Postal Savings Bank buy government bonds or interest rate bonds, and the money borrowed from government bonds will not exceed 6%, so the interest rate of 7.47% is basically unreliable. In investment and financial management, risks and benefits are matched.

The meaning of national debt:

National debt (national debt; Government loan, also known as national bond, is a creditor-debtor relationship formed by the state on the basis of its credit and in accordance with the general principles of debt. National debt is a bond issued by the state, a government bond issued by the central government to raise financial funds, and a debt certificate issued by the central government to investors, which promises to repay the principal and interest within a certain period of time. Because the issuer of national debt is the country, it has the highest credit and is recognized as the safest investment tool.

The meaning of interest rate bonds:

Interest rate bonds mainly refer to national debt, local government bonds, policy financial bonds and central bank bills. Since the bond interest rate fluctuates with the market interest rate, any significant difference between the actual rate of return and the market rate of return can be avoided by adopting the floating rate bill, so that the issuer's cost and the investor's income are consistent with the market trend.

This fluctuation of bond interest rate also makes the actual cost of the issuer and the actual income of the investor have great uncertainty beforehand, which leads to high risk.

The meaning of the oath:

Pledge means that the debtor or a third party transfers the possession of a certain property to the creditor, and the latter holds the property as a guarantee for the former to perform a certain payment or obligation. When this responsibility is fulfilled, the pledged property must be returned. When the debtor fails to perform its obligations, the creditor has the right to discount or auction the pledged property according to law, and the proceeds will be given priority in compensation. The most common pledge is the transaction between the parties and the pawnshop. According to China's Guarantee Law, pledge is divided into chattel pledge and right pledge. The rights that can be pledged are: bills of exchange, checks, promissory notes, bonds, certificates of deposit, warehouse receipts and bills of lading; Shares and stocks that can be transferred according to law; Property rights in trademark exclusive rights, patent rights and copyrights that can be transferred according to law; Other rights that can be pledged according to law. I hope I can help you.