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What is a bank wealth management product?
Wealth management products are a kind of wealth management products designed and issued by commercial banks and formal financial institutions, which invest the raised funds in relevant financial markets, purchase relevant financial products according to product contracts, and then distribute them to investors according to contracts.

The calculation method of its income is: assuming the financing principal is 654.38+10,000 yuan, the reference annualized net investment return rate of this product is 5.4%, and the actual financing period is 62 days, then the investor income = 100000×5.4%×62/360=930 yuan.

Extended data:

Financial management type

Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.

1, bond type

Investing in the money market, the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.

2. Trust type

Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and also invest in beneficial trust products of excellent credit assets of commercial banks.

3. Hook type

The final yield of products is linked to the performance of relevant markets or products, such as exchange rate, interest rate, international gold price, international crude oil price, Dow Jones index, Hong Kong stocks, etc.

4.QDII type

QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks that have obtained overseas financial services on behalf of customers.

QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.

Baidu encyclopedia-wealth management products