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What is national debt? What is a bancassurance product? What is a bond fund? Which ones are less risky and have higher returns?
national debt is national debt. At present, there are bearer from bond, voucher treasury bonds, book-entry treasury bonds and electronic savings bonds. Bearer national debt

Bearer national debt is a kind of bond whose face does not record the name of the creditor or the name of the company, usually in the form of physical bonds, also known as physical bonds or treasury bonds. Physical bond is a kind of bond with standard format and physical face. Among the types of national debt in China at present, bearer from bond belongs to this kind of physical bond, which records the creditor's rights, face value and so on in the form of physical vouchers, which are anonymous, report the loss and can be listed and circulated. Since the founding of the People's Republic of China, the national debt issued in 195s and the national debt issued since 1981 are mainly bearer treasury bills. The general characteristics of bearer treasury bonds are: bearer, no loss reporting, and can be listed and circulated. Because it is anonymous and does not report the loss, its security is not as good as that of voucher and book-entry treasury bills, but the purchase procedure is simple. At the same time, because it can be listed and transferred, it has strong liquidity. The transfer price of listing depends on the supply and demand situation of the secondary market. When the market factors change, its price will fluctuate greatly, so it has the opportunity to obtain greater profits, but it is also accompanied by certain risks. Generally speaking, bearer treasury bonds are more suitable for financial institutions and buyers with strong investment awareness. Bank wealth management products have the characteristics of less risk, slightly higher income than general floating non-guaranteed wealth management products and stronger anti-risk ability. Bank wealth management products, also known as bank trust products, are different from general trust products in that the investment quota of bank wealth management products is small, generally starting at 5, yuan. The income is around 3%-5%. The investment model and management model are the same as those of trust products, but the target groups are different. Bond funds mainly invest in all kinds of bonds, and the risk is higher than that of money market funds and lower than that of equity funds. Bond funds obtain stable interest income by investing in bonds such as treasury bonds and corporate bonds, which has the characteristics of low risk and stable income and is suitable for the needs of stable investors with low risk tolerance. Compared with the bank's property management products, the income is higher, but the initial capital is higher, generally more than 5 thousand yuan. National debt is slightly higher than bank time deposits in the same period. Bond funds are risky investments, and may lose money or gain more than buying government bonds.