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Old 09-14-2011, 02:38 PM   #1
xjieu873
 
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Default 理财“大馅饼”小本儿穷人吃不着(图)

赵春青/图
  说起理财,老张可真是一肚子苦水,魔域私服。学人家炒股票,赔了个稀里哗啦;想买房增值,刚动了念头,这房价就涨得让人赶不上趟了;踏踏实实把钱存银 行吧,老张为此也没少遭老伴埋怨:眼瞅着CPI越涨越高,传奇私服,咱那点儿积蓄净等着缩水啦!
  比来比去,老张算是相中了最适合自己的投资方式——买理财产品,但还没出手,郁闷事儿又来了。现在银行 卖理财产品也开始“挑客”了,“起步价”一涨再涨,传奇私服,老张那点儿“小本儿”,想坐上理财产品的“顺风车”还真挺难,六合彩
  10万元起步 “小本儿”难进门
  “本行正在发售三款7天稳富理财产品,10万元起3.5%,100万元起3.6%,1000万元起3. 8%,产品额度有限,仅发售至中午12点,魔域私服,欲购从速。”一大早,某大型国有银行的老顾客张先生的手机短信就响个不停。这不,新一期理财新品即将发售 的提醒又来了。
  仔细看完短信,老张心里就凉了半截,想买这理财产品最低也得10万元起步,自己好容易攒了6万多元还差 着一大截子呢。正寻思着,老伴支招:“你不是和这家银行客户经理挺聊得来吗,六合彩,问问人家能不能通融一下?”
  老张跑去和经理一说人家就乐了。“张大爷,不好意思,这门槛是银行定的,我这儿还真没法给您&lsqu o;打折’,魔域私服。”这位经理告诉老张,近段时间理财产品的门槛的确有所提高,主要是因为产品热销,客户的购买力也增强了, 一下子认购500万甚至1000万元的客户都不乏其人。自然,老张这样的“超级散户”也就搭不 上车了,魔域私服
  老张不死心,又多转悠了几家银行。结果发现,但凡收益率合适的理财产品,准入门槛低于10万元的还真是 难找。像北京银行发售的“心喜”系列产品,传奇私服,预期最高年化收益为4.1%,传奇私服,起购门槛为10万元,期限2个月;中国银行的中银稳富2-22号WYZX起点就要20万元;而深发展银行聚财宝周末发2011年45号,认购门槛更是高达500万元 。

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