Financial non-standard products refer to financial products that invest in non-standard assets. Currently, financial products that invest funds in non-standardized debt assets need to meet the requirements of maturity matching, limit and centralized management, and confirmation standards.

1. Terminology matching. According to the relevant requirements of the "New Asset Management Regulations", unless otherwise provided, if a financial fund invests in non-standardized debt assets, the asset termination date shall not be later than the date of the closed financial product. expiration date or the latest opening date of open financial products; investments in the equity of unlisted companies should be closed-end financial products with matching maturities.

2. Limits and centralized management. The balance of non-standardized credit assets invested in bank financial products shall not exceed 35% of the net assets of financial products or 4% of the bank’s total assets; non-standardized credit assets invested in a single debtor The balance of its affiliated enterprises shall not exceed 10% of the bank's net capital.

3. Identification standards, the "New Asset Management Regulations" clearly stipulate that the People's Bank of China and the financial supervision and management department shall separately formulate specific identification rules for standardized credit assets, and the methods shall be implemented in accordance with their provisions.

1. Financial computer products Financial products refer to various carriers in the financing process, including currency, gold, foreign exchange, securities, etc. That is, these financial products are the objects of buying and selling in the financial market. Through the principle of market competition, both supply and demand parties form the prices of financial products such as interest rates or yields, and ultimately complete transactions to achieve financing purposes. For example, stocks, futures, options, and insurance policies are financial assets, also known as financial instruments and securities.

2. Financial products refer to various non-physical assets with economic value that can be publicly traded or redeemed, also known as securities, such as cash, bills, stocks, futures, bonds, insurance policies, etc. For example, we can buy any commodity with cash, including financial products; we can accept bills (turn into cash) at banks: we can buy and sell (trade) stocks and futures at will in the corresponding financial markets; the bonds we hold and Policies can be cashed (liquidated) at maturity.

3. For example, Zhang San was optimistic about the stock market the year before last. He sold his real estate and used $3 million in cash to buy stock. Now his stock market value is less than 2 million. In order to avoid greater losses, Zhang San decided to sell his shares and buy insurance.

Through this example, we can see the transformation and existence of value in different financial products.

4. The so-called "one thing and four" means that the same financial product has four different names according to different users, different uses, and different functions, namely financial products and financial assets. , financial instruments and securities. Take stocks as an example. For the market, stocks are financial products; for issuers, stocks are a financing tool; for traders, stocks are a tool for investment or speculation; for corporate financing, stocks are A financial asset__ or security. As for how to call a financial product more appropriately, it depends on its connotation and specific circumstances.