There are too many pits for investment and financial management, P2P platforms under the banner of high returns are frequently thundered, futures trading is "deepened", and online fraud emerges one after another ... Many people have stepped on the pits of online financial management in recent years and found that banks are the safest, so they have returned to the embrace of bank financial management. The four major banks of workers, peasants and China Construction are the four state-owned banks with the largest number of users, the largest number of outlets and the highest reputation in China, and they are also the most trustworthy banks around them. So, which of the four major banks will have the best financial management in 2020? What is the annualized income of bank financing?

Industrial and Commercial Bank of China

China Industrial and Commercial Bank, also known as "the first bank in the universe", is the first of the four state-owned banks. Now all banks' wealth management products can be purchased in mobile banking. Open the financial column of ICBC mobile banking, and find that there are many kinds of financial products, but the overall page is not concise enough. The minimum purchase amount of most products of ICBC is 1 10,000, 50,000 and 1 10,000. ICBC's popular wealth management products include ICBC Smart Express, guaranteed capital and steady profit, and personal profit increase. The risk level is PR2, which is a low-risk product. The purchase of Tong Ling Express starts from 50,000 yuan, with no fixed term, and the estimated annual income is 2. 15%-2.5%. The minimum investment is 35 days, the expected annual income is 2%-2.05%, the personal income is 360 days, the minimum holding period is 360 days, and the expected rate of return is 3. 15%-3.25%. The financial risk of PR3 is higher than that of low-risk financial management such as Tong Ling Express. For example, individual high-net-worth customers are linked to the Shanghai and Shenzhen 300 Index, with a minimum investment of 9 1 day and an estimated annual interest rate of 2.9%-6.9%.

China construction bank

The financial management of CCB can be roughly divided into non-net-worth products, net-worth products and CCB financial management products. CCB's wealth management also has a purchase threshold, which is generally 654.38+00000, 50,000, 654.38+00000, 500,000, 654.38+00000, of which 654.38+00000 is more. Take "Gan Yuan" series of non-net-worth products of CCB as an example. The financing period of "Gan Yuan" series is generally within one year, and the annualized rate is estimated to be around 3.5%. The net worth products of CCB have no fixed term, and the expected annualized rate is between 2.7 1%-3.65%. CCB's wealth management products are basically consignment products, and the expected income of low-risk products is 2.8%-3.5%. The cumulative annualized rate of return of medium-risk financial management is generally higher than 4%, and the highest cumulative annualized rate of return is that CCB Financial Credit Suisse holds it for a minimum of 270 days, reaching 9.65%.

Bank of China

China Bank has many wealth management products ranging from 1 yuan to 65438+ 10000, and the purchase threshold is lower than that of ICBC and CCB. Bank of China can see a small number of wealth management products on its mobile banking, but it is not as dazzling as ICBC. The annualized income of wealth management products is between 2% and 5%, and the income is not high. However, many low-risk wealth management products purchased by 0 yuan and 65,438+100,000 yuan are annualized above 3%, which is better than ICBC's low-risk wealth management on the whole. BOC enjoys the daily subscription amount of 1 yuan, which can be redeemed quickly within 50,000 days. Its 7-day annualized rate of return is 2.57%, which is higher than ICBC's similar wealth management express line, and its income is higher than that of most money funds at present.

agricultural bank

There are six kinds of financial products in the financial supermarket of ABC's mobile banking: current, fixed, structured, foreign currency, ABC's financial management and private placement. Except for current, partially fixed and foreign currency, the income from other types of financial management is generally not low. There are 8 types of wealth management products of Agricultural Bank of China, and the initial purchase amount ranges from 1 yuan, 5,000 yuan and 1 10,000 yuan. The threshold is relatively low, but the estimated income is very good. The lowest agricultural bank is safe to open 3. 1% every month, and the highest agricultural bank has a concentric calorific value of 5.5%.

Although ICBC is the largest state-owned bank, its wealth management products have little advantage. CCB and ABC have rich types of wealth management and good yields, so they can all choose. If you need to redeem flexible and low-risk financial management, you can consider BOC enjoying it every day. If you pursue high returns and can bear certain risks, you can choose higher-yielding financial products from CCB and ABC. If you don't have much money, the financial products with lower thresholds from Bank of China and Agricultural Bank will suit you very well.