Licaitong is a platform where Tencent Tenpay cooperates with many financial institutions to provide diversified financial services for users, so the financial products recommended by this platform are safe and reliable.

On the platform of Licaitong, financial institutions, as providers of financial products, are responsible for the structural design and asset operation of financial products, and provide users with services such as account opening, account registration, product purchase, income distribution, product withdrawal and share inquiry. At the same time, in strict accordance with relevant laws and regulations, manage and use assets in the principles of honesty, credit, prudence and diligence to protect the legitimate rights and interests of users.

Wealth management plan:

Yan Min, head of Tencent's wealth management platform, announced that by April 20 16, the number of ordinary users of Tencent's wealth management had exceeded 50 million.

20 16 On the afternoon of April 24th, Tencent Wealth Management Lecture Hall was held in Shanghai. Tencent Wealth Management released the "Dream Plan" to help users develop the habit of managing money anytime, anywhere, at will through life-oriented financial functions such as "salary management and regular repayment".

Tencent Licaitong launched the "Salary Financial Plan": Licaitong can automatically save money by setting a financial plan once, saving time and effort; Can be used at will, but also take into account long-term investment; The account is safe and the funds are stable. "

Tencent Licaitong upgraded the fund's fixed investment service and launched the "Love Fixed Investment" area. Its products have the characteristics of convenient operation, rich products, automatic purchase and redemption at fixed time and quota, flexible and fast. All the fixed investment plans of users are managed by "Love Fixed Investment", which can realize better plan management.

2065438+February 2009, Tencent held a media briefing to inform the latest development of Tencent's financial management. As the only official Internet financial platform of Tencent, Tencent Wealth Management has been launched on WeChat wallet since June 20 14. After five years of development, the current total number of users has exceeded150 billion, and the asset holdings have also exceeded 500 billion yuan.

Extended data:

Understand the five risk levels of bank wealth management products;

Investors may not be able to make a profit by buying bank wealth management products. Especially after the bank's asset management plan tests the water management market, since these products are all non-guaranteed floating income products, the future income will be determined by the market performance of the investment object, so the investment risks contained in them should attract investors' attention.

However, many investors are not fully aware of the risk level indicated in the bank wealth management product manual. According to the Management Measures for the Sales of Wealth Management Products of Commercial Banks issued by CBRC, commercial banks should evaluate the risk tolerance of customers and determine the risk tolerance rating of customers, which includes at least five grades from low to high, and can be further subdivided according to the actual situation.

Because there is no uniform regulation on the risk level of wealth management products, banks have adopted different symbols for the risk level of wealth management products.

According to the statistics of Yinlv.com, there are mainly the following expressions: R 1 to R5; Arabic numerals 1 to 5; Chinese characters from level 1 to level 5; PR 1 to PR5 from one star to five stars; Letters a to e, etc. All the above statements show that the risk level of bank wealth management products is five, and the risk is arranged from low to high.

Generally speaking, guaranteed income wealth management products will be rated as the lowest risk level (i.e. level 1) by banks, which are suitable for all investors to buy, almost equivalent to risk-free products. For non-guaranteed floating income wealth management products, banks will give two or three risk levels according to different investment targets and investment ratios.

The proportion of bank wealth management products with risk levels defined as level 4 and level 5 is relatively small.

Bank financial experts suggest that investors should try to choose financial products that are equivalent to their risk preferences. No matter what kind of wealth management products, as long as there is income, there must be risks. Sometimes investors only pay attention to the words "income" when reading the leaflets of wealth management products, and pay little attention to the risk warning content. Therefore, investors need to read the instructions carefully when purchasing wealth management products.

Baidu encyclopedia-wechat financial management

Baidu Encyclopedia-Tencent Licaitong

People's Network-Understand the five risk levels of bank wealth management products