As long as companies are authorized by China's financial regulatory agencies, they can sell financial products as agents, such as Alipay, Renrendai, Lufax, Jiedaibao, banks, etc.

1. Financial 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 institutions and comprehensive financial service institutions.

2. China’s financial market management agencies are mainly composed of the People’s Bank of China, the China Securities Regulatory Commission, the China Banking Regulatory Commission, the China Insurance Regulatory Commission and the State Administration of Foreign Exchange. The financial supervision system of “one bank, three committees and one bureau”.

3. Wealth management products are designed and issued by commercial banks and formal financial institutions themselves. The funds raised are invested in relevant financial markets and purchased related financial products in accordance with the product contract. After obtaining investment income, they are A type of financial product that is allocated to investors as stipulated in the contract.

Extended information:

Main trends:

First, the gradual expansion of interbank financial products has changed the relationship between the original foreign-funded institutions and Chinese-funded commercial banks. The "bank-to-bank" cooperation model is mapped to the inter-bank financial management model between large domestic banks and small and medium-sized banks.

Second, with the gradual trial of investment portfolio insurance strategies, the stability of the product does not depend on whether it participates in the investment of high-risk assets, but on the reasonable allocation of the investment portfolio.

Thirdly, the number of dynamic management products is gradually increasing. Flexible investment direction and portfolio and high liquidity are the main advantages of this type of products. However, the issue of information transparency in this type of product deserves attention.

Fourth, the gradual prosperity of POP (Product of Product), through the construction of investment portfolios between different types of bank financial products, meets the investment needs of investors with different risk tolerances.

Baidu Encyclopedia-Bank Financial Products