Welcome to China’s wealth management industry. One bank offers a “Blooming sunflower” investment plan with an annualised return of 4.6 per cent. Sounds OK; only it matures in 45 days and up to two-thirds could be invested in a bundle of illiquid assets from trust loans to letters of credit with a mismatch of maturities. They could even be invested in servicing other maturing products. Investors cannot know for sure. No wonder the new administration is keen to bring the industry under control.
歡迎來到中國理財業。一家銀行推出了一款“金葵花綻放”投資計劃，年化收益率為4.6%。聽上去還行；只是其理財期限僅為45天，且有至多三分之二的資金可能將投資于各種非流動資產，比如信托貸款和期限不一的信用證，甚至可能用于償付其他即將到期的產品。投資者無從知曉確切的情況。難怪新一屆政府急于規范這一行業。
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