Question 2: What are the financial products? The so-called financial products refer to various carriers in the process of financing, including currency, gold, foreign exchange, securities and so on. In other words, these financial products are the trading objects in the financial market. The supply and demand sides form the price of financial products, such as interest rate or yield, through the principle of market competition, and finally complete the transaction to achieve the purpose of financing.
Financial products can be classified from different angles. Here we describe several main classification methods.
(a) according to the different product forms, it can be divided into three categories, namely, money, tangible products and intangible products;
1), currency. With the change of monetary system, its forms have also changed, from physical currencies such as shells and fabrics to metal currencies such as gold, silver and copper, and finally, alternative currencies, namely paper money, have emerged.
2) tangible products. There are many kinds of such products, including treasury bonds, short-term treasury bonds, foreign debts, private debts, corporate bonds, short-term treasury bonds, certificates of deposit, bank acceptance bills, commercial bills, promissory notes, cheques due in advance, bonds repaid in kind, prize-winning bonds, stocks, cheques, insurance policies, savings and so on.
3) Intangible products. That is, financial services can be roughly divided into eight aspects: loans, deposits, foreign services, transfer deposits, places or times, and credit services.
(2) According to the nature of the issuer, financial products can be divided into direct financial products and indirect financial products.
Direct financial products refer to discretionary instruments issued or signed by non-financial institutions such as companies, enterprises and institutions for direct financing activities between lenders of last resort and borrowers of last resort. There are mainly the following categories: corporate bonds, stocks, mortgage contracts, public bonds and national debt.
Indirect financial products refer to the tools for financial institutions to act as a medium between the lender of last resort and the borrower of last resort to carry out indirect financing activities. There are mainly the following categories: bank bills, bank drafts, negotiable certificates of deposit, life insurance, financial bonds and various IOUs.
(3) According to the duration of the credit relationship, it can be divided into short-term financial products and long-term financial products.
Short-term wealth management products generally refer to credit instruments with repayment period within one year in the money market. There are mainly the following categories: various bills, negotiable certificates of deposit and treasury bills.
Long-term financial products refer to credit instruments with repayment period exceeding one year in the capital market. There are mainly the following categories: stocks, bonds and various funds.
(4) According to different service industries, it can be divided into bank wealth management products, insurance wealth management products, trust wealth management products, securities wealth management products, finance company wealth management products and leasing wealth management products.
Question 3: What are the deposits of wealth management products: demand deposits (commonly used for settlement fund accounts of other products or services), time deposits (lump sum deposit and withdrawal, fixed lump sum deposit and withdrawal, call deposits, education deposits, lump sum deposit and withdrawal, interest on deposits, etc. ); Call deposit is a fixed deposit with indefinite deposit term and withdrawal notice in advance (1 day or 7 days), with an initial deposit of 50,000 yuan. Other general requirements include an initial deposit equivalent to 50 yuan RMB;
Credit card (local and foreign currency, joint name, etc.). ): That is, you can spend money without interest (overdraft), but generally there is a limit on the amount, and the interest rate is relatively high (five ten thousandths, year-end18%+); When using this product, we must pay attention to the interest-free period and the due repayment date. If we fail to pay off the due amount after the repayment date, we will be charged a late fee and penalty interest.
Loan: according to the purpose of the loan, it can be divided into housing loan (for buying houses), consumer loan (for buying bulk consumer goods such as automobiles) and commercial loan (for buying raw materials and other commodities that support your business activities); According to the different guarantee methods, there are credit loans (such as student loans), mortgage loans (such as housing loans, after which collateral can still be used), pledge loans (after which collateral can not be used temporarily) and entrusted loans (such as provident fund loans). According to the time limit, there are short-term (1 year), medium-term (1-5 years) and long-term (more than 5 years) loans, and housing loans generally take a long time;
National debt: traditional national debt is what we usually call national debt, and now there are electronic savings bonds and book-entry national debt (no voucher);
Securities: usually refers to stocks, but actually includes bonds and so on.
Funds, wealth management, precious metals: investment and wealth management products that are relatively hot in recent years, the yield is greatly affected by the market and the overall economy; The minimum amount of general wealth management products is 50,000, and it must be an integer multiple of 1 0,000;
Insurance: financial products produced to spread risks and losses;
Check: actually, it should be a means of settlement and payment introduced by banks;
Option and futures: a kind of option based on margin, which belongs to the game of people with higher IQ and has obvious leverage.
The above current, term and loans are traditional financial products, treasury bonds, securities, funds, wealth management and precious metals are investment and wealth management products, and option futures are financial derivatives.
If you have relatively large idle funds (more than 50,000 yuan) and are risk-averse, you can deposit them into fixed-term or call deposits with corresponding maturities (high flexibility). If you are risk averse, you can consider buying some investment and wealth management products.
Even if you don't have enough money on hand, you can buy yourself a suitable insurance, buy some funds, or take a one-time deposit as needed, which can help you accumulate a lot, or effectively reduce the loss of unknown and major risks.
Question 4: What are the main financial products at present? There are four main types of financial products: bonds, stocks, bills, futures and so on.
Bonds are divided into national bonds, local bonds and corporate bonds.
Stocks are divided into stocks traded in the open market, also known as the secondary market. There are also non-public offering stocks traded in special markets.
At present, there is no financial introduction of financial derivatives in China, and now all the derivatives bought by China people are bought abroad.
Question 5: What are the financial products? Too many: stocks (A shares, B shares, H shares, US stocks, etc. ); Funds (stock funds, bond funds, money funds, hybrid funds, index funds, ETF funds, private equity funds) bonds (government bonds, corporate bonds, private bonds, local bonds); Trust (umbrella trust, structured trust, real estate trust); Asset securitization products; * * * Financial planning of securities companies; Bank wealth management products; Insurance products; Wait a minute.
Question 6: What financial products does the capital market include? Stock funds, bonds, futures warrants, foreign exchange, gold.
Question 7: What are the types of wealth management products and what are they? Financial products can be divided into two categories: basic securities such as stocks and bonds and derivative (advanced) securities such as futures and options;
Secondly, according to the ownership attribute, financial products can be divided into two categories: property products such as stocks, options and warrants, and debt products such as national debt and bank credit products. The former is the relationship between property rights and the latter is the relationship between creditor's rights.
Furthermore, according to the expected income, wealth management products can be divided into stocks, options, funds and other non-fixed income products. And various fixed (also called structured) products such as bonds and credit products.
Finally, financial products can be divided into short-term products, long-term products, low-risk products, high-risk products, currency (market) products and capital (market) products according to the length of time, risk degree and trading place.
Question 8: What are financial products? There are two kinds of wealth management products: one is fixed income wealth management products, and the other is equity wealth management products.
Fixed-income wealth management products refer to fixed-income assets invested in bank time deposits, agreement deposits, government bonds, financial bonds, corporate bonds, convertible bonds, bond funds and so on. The meaning of "fixed income" can be understood according to the characteristics of financial products such as bank time deposits and treasury bills. Generally speaking, this kind of products have low returns but are relatively stable, and the risks are relatively low.
Equity wealth management products are financial assets other than fixed wealth management products, that is, investments with no guaranteed income or investments with no fixed income, such as stocks, futures and options.
Question 9: What products does Baidu Finance have ◆ Hello ◆
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Baidu finance includes products such as Baiyuan, Baifa and Baidu Wealth Management B.
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Specifically, if you go to Baidu Finance homepage and switch to the investment item, it will be clear at a glance.
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Baidu Finance Home Page: Baidu
Baidu Financial Investment Page: 8.baidu/investment/0
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If it is valid, please click on the top right corner of the phone to select a satisfactory answer. Might as well order it by the way
Question 10: What does financial management mean? What products are there? Now Licaitong can only operate through WeChat mobile phone. Licaitong is a "wealth management supermarket" in WeChat, which contains wealth management products such as insurance and funds.
It can be operated through the mobile phone WeChat, which is simple and similar to the bank's demand deposit.
But it is higher than the deposit interest rate of the bank and can be withdrawn at any time.