According to the brand, CCB's wealth management products can be divided into three types: CCB's "Profit" wealth management products, Huideying series wealth management products and wealth series wealth management products.
I. "Profit" wealth management products
"Lideli" is a wealth management product of trust assets, with good returns, reasonable term and clear investment direction. It has many characteristics, such as low risk, strong liquidity and expected income higher than deposits in the same period. It includes two kinds of wealth management products: IPO new share subscription products with high expected return, standardized capital operation and moderate risk, and growth funds wealth management products with high expected return, professional operation, certain risks and sharing capital market.
Second, personal foreign exchange structure products
Personal foreign exchange structured products refer to personal foreign exchange investment and wealth management products with certain risk characteristics, which are composed of financial derivatives and traditional financial products, including structured products with one or more characteristics of forward, futures, swaps and options. Huideying series of wealth management products launched by CCB belong to this category.
Three. RMB structured wealth management products
RMB structured wealth management products refer to personal wealth management products with RMB as the investment principal currency, and the product income is linked to the changes of relevant indicators in the international financial market. Relevant market indicators include interest rates, exchange rates, bonds, credit, stocks, precious metals (including gold), bulk commodities (including crude oil) and so on. , and the index of the above indicators. Customers can increase the return of RMB investment principal by taking certain risks (such as market risk and liquidity risk).
Four. Overseas wealth management business on behalf of customers (QDII)
QDII refers to the business activities of commercial banks that have obtained the qualification of overseas wealth management business on behalf of customers, and are entrusted by domestic institutions and individual residents (except domestic non-residents, hereinafter referred to as "investors") to invest wealth management products overseas with investors' funds.
V "Jianxin Fortune" series of wealth management products
"Jianxin Fortune" series of wealth management products are specially designed for high-end customers of CCB. At present, their products can be mainly divided into four categories: first, IPO new shares purchase wealth management products; Second, closed-end fund wealth management products; The third is PE equity investment wealth management products; The fourth is to select stock investment and wealth management products.
2065438+List of Financial Products of China Construction Bank in May 2005
The following table sorts out the income and ranking of CCB's wealth management products in May. Among them, "Gan Yuan-Xin 'an Lide 20 15 Phase III Non-principal-guaranteed Wealth Management Product" has the highest income, with a yield of 6.2%. The following are the details of the ranking list of wealth management products of China Construction Bank from 2065438 to May 2005: