Spending At The End Of The Year To Maximize Short-Term Financial Planning.

Near the end of the year, Christmas, new year's day, Spring Festival...

One holiday after another, how can we increase revenue and reduce expenditure in the next two months or even create new value in the cash flow? Financial experts give you a few tips to get your money and credit card points moving.

"Double 12" is over, but there are still some problems behind the "double 12".

If you are using credit card online shopping, if you are not satisfied with the seller's application for return after receiving the goods, the refund to the credit card before the repayment date may not be able to meet the repayment amount of the month.

Recently, reporters learned from a credit card center of a bank that the sales promotion activities of the electronic business platform were frequent recently. Many cardholders used credit card payment in the process of online shopping. They were not satisfied with the refund and thought that the refund could be regarded as repayment.

The bank said that the refund of the credit card account can not be regarded as the repayment of the current period. It can only be credited to the next bill, which reminds the cardholder to pay special attention to this problem when using credit card refund.

The new round of cooling has made everyone feel that the end of the year is very close.

Generally speaking, the end of the year is a good time to manage finances, but this year's situation is quite different from previous years.

The central bank's continuous "double down", whether it is financial products or internet financial products, can not escape the fate of the overall decline in revenue.

With the coming of all kinds of festivals, the end of the year is still a peak season for consumption. Many people hope that the money in the wallet will be spent, and the money in the account is also profitable. So it is very important to do well in the financial planning at the end of the year.

According to Wang Yingyu, customer manager of China World Trade Center branch of Haikou branch of ICBC, as the end of the year approached many customers, there was no holiday exclusive financial product.

"The psychology of customers is obvious: there are more places to spend money at the end of the year, but if you buy some financial products, there may be benefits in the new year, and interest can also be sent to the younger generation."

Of course, Wang Yingyu also said that this year's environment is different, and the earnings of bank financial products can not be more than 5% of the same period last year.

"4.5% is better than that."

Another financial manager of a joint-stock bank told reporters that at the end of the year, banks would sell some exclusive financial products of festivals, with a slightly higher yield than the daily financial products.

Although the market interest rate has dropped too fast this year, high interest rate financial products are hard to reproduce. However, some banks will launch holiday exclusive financial products around New Year's day or around the Spring Festival. Investors can pay more attention to it.

P2P net loan has always been a high-risk industry. Due to the lack of regulatory measures, the industry will be mixed up. By the end of the year, some platforms will face greater financial pressure and the number of problem platforms will also increase. Once donations are made, investors may lose their jobs.

On the other hand, many platforms will often introduce various interest rate raising activities at the end of the year. For some platforms with strong background, investors can make a small profit. But for those platforms with many problems, how much money should be paid, or the safety of funds should be given priority.

With the coming of the year,

Many people are busy summarizing the revenue geometry of the year.

The revenue has already reached the plan, though it also wants to make more money in the last month, and has not yet completed the expected revenue, and even more wants to seize the last financial opportunity.

When the reporter talked about this topic, he found that another group had another point of view. Making money is endless. It is safer to pack for safety than to pursue high yield.

At this time in past years,

Tighter, bank financing tends to "tail up".

However, this year, after many times of interest reduction, I am afraid it will be difficult to see such a good thing.

Mr. Huo, a financial manager, said that because of the declining interest rates and high yield financial products, we must not be too excited. "Pie" or "trap" needs to be carefully identified.

However, many banks will launch holiday exclusive financial products around New Year's day or around the Spring Festival. The earnings will be slightly higher than the daily financial products, and investors can pay more attention to it.

After the latest round of interest rate cuts at the end of October, interest rates on bank deposits dropped to new lows. The one-year deposit benchmark interest rate was only 1.5%. In the face of negligible interest rates, some depositors began to take risks and easily believe in the arguments of fund brokers and fall into the trap of "discount deposits".

Recently, there have been frequent incidents of disappearing or unfulfilled bank deposits, most of which are caused by discount deposits.

As you know, any discount deposit is illegal. If you want to get a higher return, you can try other financial products.