本报讯 提及券商理财产品，东吴证券(601555,股吧)“财富3号”恐怕是近期最“红”的话题产品之一，4月10日成立后首个开放日便遭遇巨额赎回。但市场都认为它将“短命”时，浙商汇金新经济(310358,基金吧)却不声不响地抢先一步，摘走“最”冠，成为证券资产管理行业第一起因客户巨额赎回导致产品快速清盘的案例。

Report from our correspondent mention brokers financial products，Soochow securities(601555,Shares it)“Wealth 3”I'm afraid is the most recent“red”One of the products of the topic，On April 10, the first established a Open Day will encounter huge redemption。But the market all think it will“short-lived”when，Zhejiang merchants huijin new economy(310358,Fund it)Tranquilly one-up，Pick go“The most”Champions league，Become a securities assets management industry together because the first customer huge product to redeem fast winding cases。

　　某业内资深人士评价东吴财富3号清盘，认为东吴财富3号的最大失误是把净值做得不尴不尬。无论是券商集合理财产品，还是公募基金产品，最忌讳把净值正好做在1元面值附近。如果业绩做得好，就要好到1.1元以上；如果亏，干脆就亏到0.9元之下。在这个区间内，最容易遭到赎回。

Some senior figures in the evaluation dongwu wealth 3 reconcile，Think the no. 3 of the biggest mistakes wealth is the net value is not success not full。Whether brokers set financial products，Or public enlisting fund products，The most taboo in the net worth just do 1 yuan near par value。If the performance，Will be good to 1.1 yuan；If a deficit，Simply kui to 0.9 yuan under。In the interval，The most vulnerable to redeem。

　　不过，在当下的市场光景中，市场惨淡令无数投资者心生倦意，做好业绩也并不能成为留守的理由。例如，浙商汇金新经济的净值表现绝对堪称“惊艳”，自3月成立以来，汇金新经济取得了7.3%的正收益，跑赢沪深300指数13个百分点，在券商同类产品中排名第三。尽管产品业绩出色，却没有成为留住投资人的理由，巨额赎回依旧导致其不得不面对清盘的命运。

but，In the present market in sight，The market is pale to many investors still mind，Do not become performance the remaining reason。For example，Zhejiang merchants huijin new economic performance is the net value of the absolute“jing”，Since the establishment of the march，Huijin new economy made 7.3% of positive income，Run win csi 300 index 13%，In brokers similar products in the no. 3。Although good product performance，But have not become keep investors reasons，Huge redemptive still lead to its have to face the fate of the liquidation。

　　因此，有业内人士担忧，封闭建仓期刚过就遭遇巨额赎回，资产净值在短短几天内锐减至亿元清盘线下方，在目前这样的市场环境下，这种清盘隐忧将会出现在其他新成立的理财产品身上。

so，The personage inside course of concerns，Closed just after a warehouse period has huge redemption，Net assets in a few days declined to one hundred million yuan winding line party，In the present such market environment，The winding malaises will appear in other new established on the financial products。

　　《大众证券报》最新统计发现，回顾近三月以来（4月27日-7月27日），券商集合理财产品的新发数量为26只，其中，若从1元的“起跑线”为共同起跑点算起，国信证券的“国信金理财8号”、红塔证券的“红塔登峰2号”、兴业证券(601377,股吧)的“玉麒麟价值成长”、东方证券的“东方红新睿2号 ”4只产品在成立近3个月内净值已然出现负增长，分别为0.9847元、0.986元、0.986元、0.9985元。待封闭期打开，上述产品遭巨额赎回的概率大增。

《Public stock certificate report》The latest statistics found that，Coming back to march（April 27,-July 27,），Brokers set financial products new hair amount to only 26，Among them，If the $1 from“Starting line”For common counting from the start，Expressed securities“Gold financing expressed no. 8”、Hongta securities“Hongta dengfeng 2”、Industrial securities(601377,Shares it)of“Jade kirin value growth”、East of the securities“The new ruling dongfanghong no. 2 ”4 only product in water nearly 3 months in net worth has negative growth，0.9847 yuan respectively、0.986 yuan、0.986 yuan、0.9985 yuan。Stay close period open，The above products were huge redemptive probability soar。

　　危险也不仅仅存在上述4只产品中，其余22只产品中，中信贵宾定制2号、中信贵宾定制1号、东北证券(000686,股吧)6号、申银万国5号、银河水星2号、东兴金选对冲1号这6只理财产品的净值为1元，而申银万国宝鼎6期以及海通海蓝宝银的净值也只为1.0002元，按照上述业内人士分析，这几款理财产品的后市去向也不容乐观。

Dangerous not only the four only exist and products，The rest of the 22 only products，Citic VIP custom no. 2、Citic VIP custom 1、Northeast securities(000686,Shares it)6、Shenyin &wanguo number 5、Galaxy mercury 2、Following JinXuan hedge 1 the six financial products net value of $1，And shenyin &wanguo 6 issue and the baoding tonghai sapphire silver net worth only $1.0002，According to the above insiders，This several kinds of financial products to market outlook is not optimistic。

　　某券商证券营业部总经理昨日对《大众证券报》表示，如果市场再持续低迷，相关券商新产品首发不久就遭遇清盘的实例将会接踵而至。“这阶段市场整体比较低迷，投资者投资信心不足。对于盈利高的产品，部分投资者反而选择了锁定盈利、落袋为安。而对于出现亏损的产品，部分投资者又抱着宁可早跑不愿被套，及时套现的心理也会让不少券商理财产品还未来得及表现便夭折。”

Some brokers in the general manager of the securities business yesterday《Public stock certificate report》said，If the market downturn continue，New product related brokers start soon encounter winding example will follow。“This stage low overall market，Investor confidence。For the product with high profit，Some investors instead chose lock profits、Fall bags for an。And a loss for the products，Some investors and embrace would rather run early to bedding bag，To cash in time the psychological will make many brokers financial products has yet to performance was die young。”

　　该营业部总经理还提到，目前券商新发理财产品的销售，尤其是营业部端，产品的卖出多是人情单。营业部为完成产品销售任务，倾尽全营业部之力拉关系找人情，将公司下达的任务完成。待到3个月封闭期结束，这些人情客户自然要变现。“不说绝对，但这确实是当下新产品遭遇清盘危机很大的原因之一。”

The sales department general manager said，At present new hair financial products dealers sales，Especially the sales department，The products sell more human is single。Sales to complete the sales task，Best of all sales force might find favor，Will the company issues task done。Stay to 3 months close period ended，These customers to human nature sold。“Say absolutely，But this is really the new product in a liquidation one of the causes of the crisis。”

　　此外，统计还显示，今年以来新发券商集合理财共计66只，总份额为212.98亿份，平均每只理财产品的发行份额为4.73亿份。其中，按照上述统计口径，共计19只产品存清盘隐忧，分别是：方正金泉友灵活配置（0.9305元）、民族金扬帆1号（0.9353元）、海通海蓝量化增强（0.9451元）、中银国际中国红稳健增长（0.9521元）、国信金理财8号（0.9847元）、红塔登峰2号（0.986元）、兴业证券玉麒麟价值成长（0.986元）、国泰君安君享成长（0.998元）、宏源优选成长（0.9983元）、东方红新睿2号（0.9985元）、东兴金选对冲1号（1元）、东北证券6号（1元）、申银万国5号（1元）、中信贵宾定制2号（1元）、银河水星2号（1元）、中信贵宾定制1号（1元）、海通海蓝宝银（1.0002元）、申银万国宝鼎6期（1.0002元）和浙商汇金灵活定增（1.0007元）。

In addition，Statistics also show，Since this year new hair brokers set financial totaling 66 only，Total share for 21.298 billion copies，On average every only financial products issued share for 473 million copies。Among them，According to the above statistics caliber，Total of 19 only products with winding malaises，Respectively is：Founder JinQuan friend flexible configuration（0.9305 yuan）、National gold sail no. 1（0.9353 yuan）、Haitong shai lai quantitative increase（0.9451 yuan）、Boc international China red steady growth（0.9521 yuan）、Gold financing expressed no. 8（0.9847 yuan）、Hongta dengfeng 2（0.986 yuan）、Industrial securities jade kirin value growth（0.986 yuan）、Cathay Pacific airways at hand to prince growth（0.998 yuan）、Hongyuan optimization growth（0.9983 yuan）、The new ruling dongfanghong no. 2（0.9985 yuan）、Following JinXuan hedge no. 1（1 yuan）、Northeast securities 6（1 yuan）、Shenyin &wanguo number 5（1 yuan）、Citic VIP custom no. 2（1 yuan）、Galaxy mercury 2（1 yuan）、Citic VIP custom 1（1 yuan）、The sea tonghai sapphire silver（1.0002 yuan）、Baoding shenyin &wanguo 6 issue（1.0002 yuan）And zhejiang merchants huijin flexible set increase（1.0007 yuan）。

　　记者 夏明月 惠晨晨

Reporter XiaMingYue HuiChenChen