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股票基金债券风险大小及区别比较

发布时间:2018-11-01 11:48
股票
 
shares
 
 
 
股票(stock)是股份公司发行的所有权凭证,是股份公司为筹集资金而发行给各个股东作为持股凭证并借以取得股息和红利的一种有价证券。每股股票都代表股东对企业拥有一个基本单位的所有权。每支股票的背后都会有一家上市公司。同时,每家上市公司都会发行股票。
 
Stock is the certificate of ownership issued by a joint-stock company. It is a kind of valuable securities issued by a joint-stock company to each shareholder as a holding certificate to obtain dividends and dividends in order to raise funds. Each share represents the ownership of a basic unit by the shareholders. Behind every stock is a listed company. At the same time, every listed company will issue shares.
 
 
 
 
 
同一类别的每一份股票所代表的公司所有权是相等的。每个股东所拥有的公司所有权份额的大小,取决于其持有的股票数量占公司总股本的比重。
 
The ownership of the company represented by each share in the same category is equal. Each shareholder has a share of the ownership of the company, depending on the number of shares held in the company's total share capital.
 
 
 
股票是股份公司资本的构成部分,可以转让、买卖,是资本市场的主要长期信用工具,但不能要求公司返还其出资。
 
Stock is an integral part of the capital of a joint stock company. It can be transferred and traded. It is the main long-term credit tool of the capital market, but it can not be required to return its capital contribution.
 
 
 
债券基金,又称为债券型基金,是指专门投资于债券的基金,它通过集中众多投资者的资金,对债券进行组合投资,寻求较为稳定的收益。
 
Bond funds, also known as bond funds, refer to the funds specially invested in bonds. By pooling the funds of many investors, bonds are portfolio invested to seek a more stable return.
 
 
 
债券
 
bond
 
 
 
债券是政府、金融机构、工商企业等机构直接向社会借债筹措资金时,向投资者发行,并且承诺按一定利率支付利息并按约定条件偿还本金的债权债务凭证。
 
Bonds are creditor's rights and debts vouchers issued to investors by the government, financial institutions, industrial and commercial enterprises when they borrow directly from the society to raise funds, and promise to pay interest at a certain rate and repay the principal according to the stipulated conditions.
 
 
 
根据中国证监会对基金类别的分类标准,基金资产80%以上投资于债券的为债券基金。债券基金也可以有一小部分资金投资于股票市场,另外,投资于可转债和打新股也是债券基金获得收益的重要渠道。
 
According to the classification criteria of China Securities Regulatory Commission, bond funds account for more than 80% of fund assets invested in bonds. Bond funds can also invest a small amount of money in the stock market. In addition, investing in convertible bonds and new shares is also an important channel for bond funds to obtain income.
 
 
 
在国内,债券基金的投资对象主要是国债、金融债和企业债。通常,债券为投资人提供固定的回报和到期还本,风险低于股票,所以相比较股票基金,债券基金具有收益稳定、风险较低的特点。
 
In China, bond funds are mainly invested in treasury bonds, financial bonds and corporate bonds. In general, bonds provide investors with a fixed return and repayment at maturity. The risk is lower than that of stocks. Therefore, bond funds have the characteristics of stable returns and low risks compared with stock funds.
 
 
 
基金
 
fund
 
 
 
基金(Fund)从广义上说,基金是指为了某种目的而设立的具有一定数量的资金。主要包括信托投资基金、公积金、保险基金、退休基金,各种基金会的基金。
 
In a broad sense, a fund refers to a certain amount of funds set up for a certain purpose. Mainly including trust investment funds, provident fund, insurance funds, retirement funds, funds of various foundations.
 
 
 
从会计角度透析,基金是一个狭义的概念,意指具有特定目的和用途的资金。我们现在提到的基金主要是指证券投资基金。
 
From the perspective of accounting, fund is a narrow concept, which means funds with specific purposes and purposes. The funds we are talking about mainly refer to securities investment funds.
 
 
 
股票基金债券风险大小有哪些差异?
 
What are the risks of equity fund bonds?
 
买股票大家都知道是高风险出借,大起大落玩的是心跳,然而股票基金相对来说风险比较低一些。股票和基金虽然都以出借份额享受公司的经营利润,但基金出借者是以委托出借人的面目出现的,股票基金债券风险大小我们一起来看看。
 
Buying stocks is known as high-risk lending, big ups and downs to play with the heartbeat, but stock funds are relatively low risk. Although both stocks and funds enjoy the operating profits of the company by lending shares, fund lenders appear as principal lenders. Let's take a look at the risk of stock fund bonds.
 
 
 
基金债券和股票型基金不同的是,在债券基金中有些特殊的分类,比如华夏债券和大成债券分A、B、C三类,而工银强债、招商安泰、博时稳定和鹏华普天分A、B两类。这之间到底有多少区别呢?
 
Fund bonds differ from stock funds in that there are some special classifications in bond funds, such as Cathay bonds and Chengcheng bonds, which fall into three categories: A, B and C, while ICBC strong bonds, Merchants Antai, Boshi stability and Penghuapu talent A and B. How much difference is there between them?
 
 
 
首先,无论是A、B、C三类还是A、B两类,其核心的区别在申购费上。如果是ABC三类的基金,A类一般是代表前端收费,B类代表后端收费,而C类是没有申购费,即无论前端还是后端,都没有手续费;而A、B两类分类的债券基金,一般A类为有申购费,包括前端和后端,而B类债券没有任何申购费。
 
First of all, whether A, B, C or the three category are A or B two, the core difference is in the purchase fee. If it is the ABC three types of funds, Class A generally represents the front-end fees, Class B represents the back-end fees, and Class C is no application fees, that is, no front-end or back-end, no fees; and Class A, B two types of bond funds, generally have a purchase fee, including the front-end and back-end, while Class B bonds do not have any purchase fees.
 
 
 
也就是ABC三类分类中的A和B类基金相当于A、B两类分类中的A类,是前端或者后端申购费基金,而A、B、C三类分类中的C类基金相当于A、B两类分类中的B类基金,无申购费。
 
That is to say, the A and B funds in the three classifications of ABC are equivalent to the A and B funds in the two classifications of A and B. They are the front-end or back-end purchase fee funds, while the C funds in the three classifications of A, B and C are equivalent to the B funds in the two classifications of A and B, without purchase fees.
 
 
 
股票基金债券风险大小及区别比较:
 
Stock fund bond risk size and comparison:
 
 
 
1、发行主体不同
 
1. Different issuers.
 
 
 
股票是股份有限公司募集股本时发行的,非股份公司不能发行股票。出借基金是由出借基金公司发行的,它不一定就是股份有限公司,且各国的法律都有规定,出借基金公司是非银行金融机构,在其发起人中必须有一家金融机构。
 
Shares are issued when Limited by Share Ltd raises capital stock, and non joint stock companies can not issue shares. Lending fund is issued by the lender fund company, it is not necessarily a joint stock company, and the laws of various countries have stipulated that the lender fund company is a non-bank financial institution, in which the sponsor must have a financial institution.
 
 
 
2、股票与出借基金的风险和期待年回报率不同
 
2, the risk of stock and lending funds is different from the expected rate of return.
 
 
 
股票是一种由股票购买者直接参与的出借方式,它的期待年回报率不但受上市公司经营业绩的影响、市场价格浮动的影响,且还受股票交易者的综合素质的影响,其风险较高,期待年回报率也难以确定。而出借基金则由专家经营、集体决策,它的出借形式主要是各种有价证券及其他出借
 
Stock is a lending method directly participated by stock purchasers. Its expected annual return rate is not only affected by the operating performance of listed companies and the fluctuation of market prices, but also by the comprehensive quality of stock traders. Its risk is high and the expected annual return rate is difficult to determine. The lending fund is managed by experts and made collective decisions. Its lending forms are mainly securities and other loans.
 
 
 
方式的组合,其期待年回报率就比较平均和稳定。由于基金的风险较小,它的期待年回报率可能要低于某些优质股票,但其平均期待年回报率不比股票的平均期待年回报率差。
 
The combination of modes has a relatively average and stable rate of return. Because the risk of the fund is small, its expected annual return may be lower than that of some high-quality stocks, but its average expected annual return is no worse than the average expected annual return of stocks.
 
 
 
3、股票与出借基金的出借时间不同
 
3, the lending time of stock and loan funds is different.
 
 
 
股票是股份有限公司的股权凭证,它的存续期是和公司相始终的,股东在中途是不能退股的。而出借基金公司是代理公众出借理财的,不管基金是开放型还是封闭型的,出借基金都有限期的限定,到期时要根据基金的净资产状况,依出借者所持份额按比例偿还出借。
 
Stock is the stock certificate of a company limited by shares, its life is consistent with the company, shareholders can not withdraw in the middle. The lending fund company is the agent of public lending and financial management, whether the fund is open or closed, lending funds have a limited period of time, when the maturity of the fund should be based on the net assets of the situation, according to the lender's share in proportion to repay the loan.
 
 
 
4、出借者的权益有所不同
 
4, lenders' rights and interests are different.

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