Among them, R 1 stands for low risk, that is, the wealth management products guarantee the complete repayment of the principal, and the product income changes with the investment performance, and is rarely affected by risk factors such as market fluctuations and changes in policies and regulations.
R2 stands for medium and low risk, that is, wealth management products do not guarantee the repayment of principal, but the principal risk is relatively small and the income fluctuation is relatively controllable.
R3 stands for medium risk, which means that wealth management products do not guarantee the repayment of principal, have certain principal risk, and the income fluctuates.
R4 stands for medium-high risk, which means that the wealth management products do not guarantee the repayment of the principal, and the principal risk is high, the income fluctuates greatly, and the investment is easily affected by market fluctuations, changes in policies and regulations and other risk factors.
R5 stands for high risk, which means that wealth management products do not guarantee the repayment of principal, the principal risk is extremely high, and the income fluctuates greatly, so it is only suitable for investors with very strong anti-risk ability.
Financial products are products designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into the relevant financial markets according to the product contracts, and the relevant financial products are purchased, and the investment income is distributed to investors according to the contract.
Financial management type
Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.
Bond type
Investing in the money market, the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.
Trust type
Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and also invest in beneficial trust products of excellent credit assets of commercial banks.
Hook type
The final yield of products is linked to the performance of relevant markets or products, such as exchange rate, interest rate, international gold price, international crude oil price, Dow Jones index, Hong Kong stocks, etc.
QDII type
QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks that have obtained overseas financial services on behalf of customers.
QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.
Electronic spotlight
New investment and wealth management products
Investment channels
Wealth management products can generally be purchased through commercial banks or non-bank financial institutions.
Traditional channels include banks, insurance companies, securities companies, futures companies and fund companies.
Emerging channels include: third-party financial institutions and integrated financial service institutions.
Common products
The first category is fixed income financial products, including bank financial products and trust financial products.
The second category is capital preservation floating income wealth management products, which are mainly issued by banks.
The third category is non-guaranteed floating income wealth management products, mainly divided into bank wealth management products and securities investment wealth management products.