1, issuer

The main issuer of bank wealth management products is commercial banks, which are supervised by CBRC. The bank's product operation is relatively standardized, and the handling of product risks is also relatively strict.

Securities companies are the main issuers of securities firms' wealth management products. Securities companies are supervised by the CSRC and also need licenses. Most of the shareholders of well-known securities companies are state-owned enterprises or listed companies, and their funds are relatively strong. So from the issuer's point of view, banks and securities companies are safer.

2. Use of funds

The funds raised by bank wealth management products will enter the fund pool of bank funds, and will be primarily invested in standardized properties such as bonds, deposits and money markets. The contribution of "non-standard" property shall not exceed 35% of the net assets of the product.

The funds raised by the wealth management products of securities firms are not kept by securities companies, but in banks, so investors need to register depository accounts in banks when registering brokerage accounts.

The security of bank funds is relatively guaranteed, but the funds of wealth management products of securities companies are also included in the supervision system, so it is relatively safe.

3. The product is dangerous

Bank wealth management products are divided into five risk levels, but the middle and low risk products are the main ones, and the investment period ranges from 30 days to 180 days.

Brokerage wealth management products are divided into two categories: restricted products are mainly low-risk products, and the risk level is equivalent to that of most bank wealth management products, but non-restricted products include high-risk products such as stocks and options, so the risk level is higher.

To sum up, brokerage financing and bank financing are almost the same in terms of issuer and fund security, and the primary difference lies in the risk level of the product itself. The above contents about which is safer, brokerage financing or bank financing, hope to help us. Warm reminder, financial management is dangerous and investment needs to be cautious.

According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s. With the expansion of the domestic stock and bond market, the increasing enrichment of commercial banks and retail businesses, and the increase of citizens' income, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.

What is financial management?

When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

1, financial management is a lifelong treasure, not just to solve the problem of urgent need for money.

2. Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.

3. Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).

Where can I manage my money?

At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management companies.

1, bank financing

At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.

2. Financial management of securities companies

Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.

3. Financial management of investment companies

Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.

4.APP financial management

At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people.

How to manage money

At present, you need to open a corresponding financial account when you go to a bank or a securities company for financial management. Generally speaking, wealth management accounts opened through banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase government bonds through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters. [7]

The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day.

The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.