1. Different interest rates

In terms of interest rates, the interest rates on certificates of deposit are lower; the interest rates on bank financial products generally range from 2.8% to 5.3%; the interest rates on fund products are relatively low. High. If the fund manager operates well, it is possible to double the principal in two to three years.

2. Different risks

Generally, large-denomination certificates of deposit have no risk; bank financial products have relatively low risks, but in rare cases there may be losses, but the losses will not be too large. ; Fund risks are much higher than the risks of the above two products. Generally, bond funds have the lowest risk, followed by index funds, and stock funds have the highest risk.

3. Different flows

Larger certificates of deposit can be transferred, withdrawn in advance and redeemed; bank financial products generally cannot be withdrawn in advance; funds are generally greatly affected by the market and cannot be withdrawn at any time .

Note: This analysis is for reference only, and the actual product shall prevail.

Extended information:

1. Bank financial management

Bank financial management products are commercial banks targeting specific targets based on analysis and research of potential target customer groups. Client base develops, designs and sells capital investment and management plans. In the investment method of financial products, the bank only accepts the authorization of the customer to manage funds, and the investment income and risks are borne by the customer or both the customer and the bank in accordance with the agreed method.

The "Interim Measures for the Management of Personal Financial Management Business of Commercial Banks" promulgated by the China Banking Regulatory Commission defines "personal financial management business" as "financial analysis, financial planning, investment consulting, asset management, etc. provided by commercial banks to individual customers." Professional service activities”.

The personal financial management business of commercial banks is divided into financial advisory services and comprehensive financial services according to different management and operation methods. What we generally call "bank financial products" actually refers to comprehensive financial services.

According to the standard explanation, it should be a capital investment and management plan that a commercial bank develops, designs and sells for a specific target customer group based on analysis and research of potential target customer groups. In the investment method of financial products, the bank only accepts the authorization of the customer to manage funds, and the investment income and risks are borne by the customer or the customer and the bank in accordance with the agreement.

Generally, based on the type of expected returns, we divide bank financial products into two categories: fixed-income products and floating-income products. In addition, according to different investment methods and directions, new stock subscription products, bank-trust cooperative products, QDII products, structured products, etc. are also statements we often hear and see.

2. Certificates of Deposit

Certificates of deposit (CD) refer to certificates of deposit issued by banking deposit-taking financial institutions to individuals, non-financial enterprises, government agencies, etc. A large deposit certificate. Different from general certificates of deposit, large certificates of deposit can be transferred before maturity, with a period of not less than 7 days, a high investment threshold, and an integer amount.

my country's large-denomination certificates of deposit were officially launched on June 15, 2015, and are denominated in RMB. As general deposits, large-denomination certificates of deposit have higher interest rates than time deposits of the same term. Most of them are 40% higher than the benchmark interest rate, and a few banks have an increase of 45%. However, time deposits generally have a maximum increase of about 30%.

3. Fund

Fund, in English, is fund, which broadly refers to a certain amount of funds established for a certain purpose. It mainly includes trust investment funds, provident funds, insurance funds, retirement funds, and various foundation funds.

From an accounting perspective, funds are a narrow concept, meaning funds with specific purposes and uses. The funds we are talking about now mainly refer to securities investment funds.

According to different standards, securities investment funds can be divided into different types:

1. According to whether fund units can be added or redeemed, they can be divided into open-end funds and closed-end funds. fund. Open-end funds are not listed for trading (it depends on the situation). They are purchased and redeemed through banks, securities firms, and fund companies. The fund size is not fixed; closed-end funds have a fixed duration and are generally listed and traded on securities exchanges. Investors pass Fund units are bought and sold in the secondary market.

2. According to different organizational forms, they can be divided into corporate funds and contract funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; it is established by a fund manager, a fund custodian and an investor through a fund contract, which is usually called a contract fund. my country's securities investment funds are all contract funds.

3. According to the differences in investment risks and returns, funds can be divided into growth, income and balanced funds.

4. According to different investment objects, it can be divided into stock funds, bond funds, money market funds, futures funds, etc.