21. Cemetery funds and private equity funds: Public equity funds are securities investment funds that are supervised by government departments and are publicly issued to unspecified investors. These funds are subject to strict legal supervision and have information disclosure, profit distribution, operation restrictions and other industries. specification. Compared with public funds, private equity funds are a kind of collective investment that is not publicly promoted and privately raises funds from specific investors.

22. Negative interest rates: To put it simply, the value of money deposited in the bank will become less and less even after interest is included. The so-called negative interest rate refers to the rapid rise of the price index (CPI), causing bank deposit interest rates to actually become negative. The interest rate on bank deposits cannot keep up with the inflation rate and becomes negative interest rate.

23. Trust loans and entrusted loans: Trusts are handled by trust companies. Entrusted loans are handled by banks.
Trust loans refer to trust institutions using their own funds such as trust deposits to issue loans to self-approved units and projects within the scope stipulated by the state.
Entrusted loans refer to funds provided by clients such as government departments, enterprises, institutions, and individuals, and are issued, supervised, and used by commercial banks (trustees) based on the loan objects, purposes, amounts, terms, interest rates, etc. determined by the clients, and assisted in recovery of loans.

24. Capital adequacy ratio: A bank’s capital adequacy ratio refers to the ratio of a bank’s capital to its total weighted risk assets. It reflects the extent to which a commercial bank can bear losses with its own capital before the assets of depositors and bondholders suffer losses.

25. Position: It means money and is a popular term in the financial and business circles. Often used in securities, stocks, and futures trading. For example, the long and short positions often mentioned in stocks and futures are actually the abbreviations of long positions and short positions.

26. Financial supermarket: refers to a system that organically integrates various products and services of financial institutions and provides them to corporate or individual customers through cooperation with various social institutions and departments such as insurance, securities, appraisal, mortgage registration, notarization, etc. An integrated business model covering many financial products and value-added services.

27. Venture capital: Venture capital, also known as venture capital, is a venture capital fund that provides equity capital, supplemented by management, to small and medium-sized enterprises or high-growth enterprises with huge development potential and high risks through specialized investment institutions. , an investment model that pursues maximum capital appreciation gains.

28. Angel investment: Angel investment, also known as “informal private equity investment” or “informal venture capital”, is a subsystem of venture capital and refers to individuals or informal venture capital organizations with a certain amount of capital. A private investment method for early-stage, direct equity capital investment in start-ups with great development potential. Specifically refers to the first batch of investments in the entrepreneurial process of a company.

29. Bonds: Bonds refer to debt certificates issued to investors when governments, financial institutions, industrial and commercial enterprises and other institutions directly borrow money from society to raise funds, and promise to pay interest at a certain interest rate and repay the principal according to agreed conditions.

30. Stocks: Stocks are share certificates issued by a joint stock company to investors when raising capital, representing their holders’ ownership of the joint stock company.