From the perspective of the WeChat platform, the financial management products on WeChat are guaranteed, safe and reliable, because the above financial products have been reviewed by WeChat, and there are basically no irregularities. Everyone can still rest assured on this point.
However, from the perspective of the financial management products themselves, financial management has risks, and the risks of each financial management product will be different. Taking funds as an example, they can be divided into currency funds and bond funds. , hybrid funds, index funds, stock funds, etc. Different types have different risks.
Wealth management products are products designed and issued by commercial banks and formal financial institutions. The funds raised are invested in relevant financial markets and purchased related financial products in accordance with the product contract. After obtaining investment income, according to A type of product stipulated in the contract to be allocated to investors.
Types of financial management
Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.
Bond type
Invest in the money market, and the products invested are generally central bank bills and corporate short-term financing bonds. Because central bank bills and corporate short-term financing bills cannot be directly invested by individuals, this type of RMB financial products actually provides customers with the opportunity to share the income from money market investments.
Trust type
Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with higher credit ratings, and also invest in trusts for the beneficiary rights of commercial banks’ high-quality credit assets product.
Linked type
The final yield of the product is linked to the performance of the relevant market or product, such as linked to the exchange rate, linked to interest rates, linked to international gold prices, linked to international crude oil prices, Linked to the Dow Jones Index and Hong Kong stocks, etc.
QDII type
The so-called QDII, that is, qualified domestic investment institutions that conduct overseas financial management on behalf of clients, refers to commercial banks that have obtained the qualification for overseas financial management business on behalf of clients.
QDII-type RMB financial products, simply put, mean that customers entrust their RMB funds to qualified commercial banks, and the qualified commercial banks will convert the RMB funds into U.S. dollars and invest directly overseas. After maturity, they will Financial products that are distributed to customers after the U.S. dollar income and principal are converted into RMB.
Electronic spot
New investment and financial management products
Investment channels
Financial 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 management institutions, comprehensive financial management service institutions
Common products
The first category is fixed-income financial products, common There are bank financial products and trust financial products.
The second category is capital-guaranteed and floating-income financial products, mainly issued by banks.
The third category is non-principal guaranteed floating income financial products, which are mainly divided into bank financial products and securities investment financial products.