It means: bank outsourcing, that is, bank wealth management funds entrust external investment, fund company asset management plan, brokerage asset management plan, trust plan and insurance plan become the four major forms of outsourcing investment.

Outsourcing form: large banks and joint-stock banks usually cooperate in products through trust plans and capital channels, and agree on a fixed rate of return (independent account). The broker measures the rate of return to decide whether to accept or not. At present, the mainstream yield is 4.5-5%.

The outsourcing of local banks is mostly in the form of investment, and the transaction takes place in the bank's own system, and the brokerage firm issues trading instructions to guide the bank's own operation. Generally speaking, the form of outsourcing cooperation is mainly one-to-one.

The hidden dangers of setting up foreign funds for the expansion of the information Committee;

1, the number of households is small, and the average household is large, which may bring huge fluctuations in the net value of a single day. The withdrawal of outsourced funds and market fluctuation will lead to great changes in the net value of such funds.

2. After the withdrawal of outsourcing funds, it is very difficult to diversify investment in the scale of millions and tens of millions, and the risks are more concentrated.

3. If the net asset value is less than 50 million for 20 consecutive days and the number of fund share holders is less than 200, it is likely to be liquidated.

Outsourcing business:

Highly customized business negotiated by the principal and the manager. The so-called high customization means that the investment scope and investment period are very flexible and can be customized according to the requirements of the fund entrusting party. The investment scope of general commercial banks' self-commissioned funds is mainly money market assets and pure creditor's rights assets.

The investment scope of entrusted funds for financial management generally includes bond funds, treasury bonds futures, interest rate swaps and other derivatives. The investment scope of some bank wealth management entrusted funds issued for high-end customers can also be extended to hybrid funds, stock index futures and even equity assets including individual stocks.