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Jingdong book

时尚理财

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时尚理财

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国内金融市场出现理财,最早还要追溯到20世纪90年代初期。随着中国证券市场的扩容,商业银行零售产品的日趋丰富和居民收入的逐年上升,理财产品开始走俏国内投资市场。但谈到理财的时候,投资者想到的不是投资问题,就是赚钱问题。而实际上理财是对个人一生的现金流量与风险管理的活计。是否可以这样理解:理财是理一生的财,不仅仅是解决燃眉之急的金钱问题而已;理财是现金流量管理,一个人一出生就需要现金流出,也需要赚钱来产生现金流入。因此不管是否有钱,每一个人都需要理财。理财也涵盖了风险管理,因为未来的更多流量具有不确定性,包括人身、财产与市场的风险,都会影响到现金流入或现金流出。几年前作者写作另外一本理财的书籍时,对理财的范围还真是有一个明确的界定,而短短两三年过去了,我们忽然发现,理财的领域其实是很广或者说是无处不在的,甚至连传统的实体经济投资和目前的红木文玩投资都可以算作理财的范畴。而从另一角度来看,“理财”中有“投资”,“投资”中有“理财”,即使是被投资也是一种理财。据中信建设证券统计数据显示,2014年银行理财余额15万亿,占60万亿银行资产市场的26%,位居第一位;其次是信托和保险,位居第二与第三的位置。据融360统计数据,2014年银行共发行69540款理财产品,比2013年同比增长超过50%,但从规模方面来看远低于2013年。主要原因是互联网金融势头非常猛烈,而且相比银行理财产品来讲收益更高且流动性更强。看来理财产品当属时尚范畴,既然是时尚产品就并非有常胜将军存在了,投资者的投资热点会因互联网金融的迅猛发展趋势而彻底得到改变。近一年来,发行人民币理财产品67658款,同比上升53%;外币产品合计发行1882款,同比上涨仅有10.5%。数据显示,国内主流产品市场仍是人民币理财产品的天下。
Catalogue

1.财富的增值规律是复利而不是单利
2.做好理财投资的准备
3.财源茂盛达三江
4.搭建理财的金字塔
5.大爷大妈玩存单来钱照样火
6.银行理财产品品种
7.买国债就是买平安
8.封闭式基金与开放式基金产品
9.股票型基金
10.债券型基金
11.炒汇炒的是“量”
12.懒人理财偏爱基金定投
13.分红不断转成投资是货币市场基金的最大特征
14.黄金只是避险工具而已
15.买房子是一生中最大的幸福
16.房子赚钱要看“风水”
17.众筹——因为这个投资项目使我们彼此之间成了朋友
18.P2P的感觉如同QQ上聊天一样
19.人民币不贬值我就出国“扫货”
20.年终的奖金要“生崽崽”
21.生肖纪念币了不得了
22.邮票疲软但还是有些人赚到了钱
23.股票型基金指数ETF
24.艺术品是理财产品中的千里马
25.给自己全家做个理财规划
26.理财中的“禅学”
Book Abstract

《时尚理财》:
北京甜水园附近的某个小区,有一天一家公司进驻这里后,住户们就再也不得安宁了。每天都有很多工人、货车在院子里进进出出。楼下的防盗门因为进出的人太多,坏了,永远都大开着。大家只知道他们的老板叫强子,都烦死了。几年后,这家闹哄哄的公司终于搬走了,小区从此恢复了昔日的安静。也是直到这时,大家才知道,原来这个公司就是京东商城,而众人嘴里的强子,便是京东商城创始人兼CEO刘强东。出身农民的刘强东上大学时家人给他凑了500块钱上路,他决心从此不再给家里带来负担。大一的时候,他帮人手抄信封,3分钱一张;大二的时候,他以二五折购进精装书后去写字楼推销,他也一直在给学校机房打工,同时自学编程;大三的时候,刘强东每天骑自行车去门头沟一家单位作程序员,并由此掘到了第一桶金。他参与到了一些政府和农村的信息化建设项目中,依靠写程序的专长,赚到了十几万元,成为当时最有钱的大学生之一。拿着手里的十几万,又从亲朋好友手里借到十几万,刘强东盘下了中关村附近的一个饭馆。由于管理松散,没用一年,饭馆赔光了他的投入。1996年,刘强东毕业后进了一家日资企业,业余时间继续干起老本行编程。这家实行轮岗制的日资企业锻炼了刘强东,从电脑信息化到物流、采购,大部分岗位他都干过,了如指掌。但还完债后的刘强东并没有留恋这份工作,渴望创业的冲动一天比一天强烈。刘强东拿着手里的1.2万元积蓄赶赴中关村,租了一个小柜台,售卖刻录机。柜台取名叫“京东多媒体”。随着京东规模的迅速壮大,2001年,京东商城已成为当时中国最大的光磁产品代理商,并在全国开设了十多家分公司。刘强东的个人财富也首次突破了1000万元。2003年SARS来袭,生意一落千丈。刘强东暂时关闭了所有门店。但刘强东听说有人在互联网上卖东西,就四处打听,想要参与进来。这家互联网企业的一位老员工回忆道:别的商家每次都要问你们的店租能不能降一降,但刘强东总是问,你们的程序是怎么编的,你们的流程是怎么控制的,刘强东对电子商务的后台技术很感兴趣。这时的刘强东已经坚信电子商务就是京东转型的未来。2004年,公司内不少人反对转战互联网,但刘强东决定砍掉实体店,专心经营网上3C业务。刘强东曾相信口碑是更好的营销,但从2004年到2007年,京东商城的规模并没有太多变化,后来刘强东总结原因,认为问题出在钱上。因为缺钱,人员和设施配备捉襟见肘。刘强东虽然懂编程,但在京东商城上线后的第三天,刘强东发现公司主页被“黑”掉了。懂行的朋友帮忙看了京东的服务器以后,不由地感叹到:京东服务器是我看到的全世界最“牛”的服务器,有1300多个病毒,700多个漏洞,任何一个有点黑客技术的人都可以攻破。2007年,京东商城的发展遇到了第一个瓶颈,当时公司靠自有资金实在周转不过来,银行不愿借款,刘强东在山穷水尽的时候才知道有VC。他与今日资本的总裁徐新女士见面后,主动提出想融200万美元。这个风投界的女伯乐非常看好刘强东,于是主动把投资额加码到1000万美元。刘强东始终坚持不会因为融资让出控制权。他用这1000万美元筹建了广州分公司、产品种类从3000种增加到了18000种。
……

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