Bank financing is a capital investment and management plan developed, designed and sold by commercial banks for specific target customers on the basis of analysis and research on potential target customers. In the investment mode of wealth management products, banks only accept the funds entrusted by customers, and the investment income and risks are borne by customers or both customers and banks in an agreed way.

There are also risks in bank financing, so the purchase of bank financing products generally chooses state-owned banks.

The Interim Measures for the Management of Personal Financial Services of Commercial Banks promulgated by CBRC defines personal financial services as "professional service activities such as financial analysis, financial planning, investment consultancy and asset management provided by commercial banks for individual customers". Personal financial services of commercial banks are divided into financial advisory services and comprehensive financial services according to different management and operation modes.

Extended data

There are several ways to manage money:

1. Bank investment

The wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.

2. Financial management of securities companies

Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.

3. Insurance financing

Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.

4. Investment company financing

Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.

5. E-commerce financial management

2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.

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