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民生消保在行动—民生银行泉州分行3·15宣

http://zhihengshiye.com【泉州经济网】2018-03-14


MINSHENGYINXINGTIXINGNIN:

快乐棋牌大厅                HELIFUZHAIYOUMENDAO,“28/36”YAOJILAO;

                ZICHANFUZHAIZENMESUAN,SANDAZHIBIAOHENZHONGYAO。

快乐棋牌大厅                                         ——MINSHENGYINXINGQUANZHOUFENXING3·15XUAN

快乐棋牌大厅SUIZHEJINGJIDEKUAISUFAZHANHEPUHUIJINRONGDEDALITUIGUANG,JIATINGHUOGERENXIANGXUNQIUFUZHAI,YIJINGCHENGWEIPUBIANDEJINGJIXIANXIANG。RUHEHELIKONGZHIJIATINGHUOGERENDEKANGFENGXIANNENGLI,FANGHUANYUWEIRAN,DUIMEIGEJINRONGXIAOFEIZHEDOUYOUQIZHONGYAO。

首先,应学会跟踪和评估自身的债务水平,手中留有应对重大外部冲击(如失业、事故等)的高流动性资产,以免进入“拆东墙补西墙”的债务怪圈。

快乐棋牌大厅MINSHENGYINXINGJIANYININCAIYONG28/36DEJINGYANFAZEWEIZIJIDEFUZHAIHUADINGYIGEJINGJIEXIAN。

28/36DEJINGYANFAZEZHIGERENHUOJIATINGDEFANGCHANXIANGGUANZHICHU(BAOKUOFANGDAIHAIKUAN、WUYEGUANLIFEIDENG)BUCHAOGUOTONGQISHOURUDE28%;ZONGDEFUZHAIBUCHAOGUOTONGQISHOURUDE36%。JIANGFUZHAIKONGZHIZAIZHEIGESHUIPINGYINEI,GERENHUOJIATINGZAIRICHANGSHENGHUOZHONGBUHUIYOUMINGXIANYALI。

快乐棋牌大厅LIRULIXIANSHENGGERENSHUIHOUNIANSHOURU5WAN,ANZHAOZHEIXIANGGUIZEMEINIANFANGCHANXIANGGUANZHICHUBUCHAOGUO1.4WANHUOMEIYUEBUCHAOGUO1167YUAN;QITAGERENFUZHAIMEINIANBUCHAOGUO4000YUANHUOMEIYUEBUCHAOGUO333YUAN,ZHEIYANGLIXIANSHENGBUHUIYOUMINGXIANDEYALI。RUGUOLIXIANSHENGNENGGOUHUODE30NIANQI、MEINIANGUDINGLILV5.5%DEFANGDAITIAOJIAN,NEIMELIXIANSHENGDEHEYIDAIKUANZONGEZAI20WANZUOYOU。

其次,应建立家庭资产负债表并定期跟踪,使用三大指标即流动性比率、负债收入比和资产负债率监测自身的财务健康状况。

快乐棋牌大厅ZHIBIAOYI:LIUDONGXINGBILV=LIUDONGZICHAN/YUEZHICHU

快乐棋牌大厅YIBANRENWEIJIATINGLIUDONGXINGBILVYINGZAI3-6ZHIJIAN。HUANJUHUASHUO,KESUISHIBIANXIANYINGJIDEZICHANYAOZHISHAONENGGOUZHICHENG3GEYUEDEJIATINGRICHANGKAIZHI。DUIYUGERENHUOJIATINGERYAN,YAOTIQIANGUIHUA,SHULIDIXIANSIWEI,FANGFANDUIJIATINGYOUZHONGDAYINGXIANGDEFENGXIANSHIJIAN,LIRUSHIYE、ZHONGDAJIBINGDENG。

快乐棋牌大厅ZHIBIAOER:FUZHAISHOURUBI=DANGYUECHANGZHAIZHICHU/DANGYUESHOURU*100%

快乐棋牌大厅YIBANRENWEIJIATINGMEIYUEDEFUZHAISHOURUBIBUYICHAOGUO40%,JIANGFUZHAIZHICHUYUSHOURUDEBILIKONGZHIZAIJINGJIEXIANFANWEINEI。GUOGAODEZHAIWUSHOURUBIHUIYINGXIANGJIATINGDECAIWUJIANKANGZHUANGKUANG,ZAIYINGDUIWAIBUZHONGDACHONGJISHIHUIBIANDECUIRUOBUKAN。

ZHIBIAOSAN:ZICHANFUZHAILV=ZONGFUZHAI/ZONGZICHAN*100%

快乐棋牌大厅JIATINGZICHANFUZHAILVFANYINGZONGHECHANGZHAINENGLI,BUYICHAOGUO50%,CHAOGUOJIUYAOSHENRUCHAKANGELEIFUZHAIDEQINGKUANGBINGJINXINGDIAOZHENG,FANGZHIJIATINGCAIWUWEIJIDEFASHENG。WEIBIMIANZHONGDAYIWAIDECHONGJI,KEKAOLVTONGGUOZHENGGUIQUDAOGOUMAIBAOXIANLAIJIANGDIQIANZAISUNSHI,ZENGQIANGJIATINGDEFENGXIANDIYUNENGLI。

最后,应防范各种“看似无门槛”的贷款套路,如合理计算贷款成本,警惕陌生电话推销贷款和非法网络贷款,远离非法贷款小广告,避免向非法的放贷机构尤其是没有资质的网络放贷公司借款应急。

(BENWENBUFENZHAIZIZHONGGUORENMINYINXING2019NIAN3.15JINRONGXIAOFEIZHEQUANYIRIXUANCHUANSHOUCE)

来 源:泉州经济网 责任编辑:许凌晖

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