China Construction Bank's wealth management products are more reliable. Because CCB has many wealth management products, including self-operated products and consignment products. Self-financing products are divided into capital preservation type and non-capital preservation type. If you choose the principal-guaranteed type, you will not lose money and have low risk, but the income is not high.

However, the wealth management products on consignment are risky and usually do not break even, that is, investment failure will lead to losses, but the income is also high, mainly funds, insurance, foreign exchange, precious metals and other products.

Jianxin Wealth Management Co., Ltd. was established on May 24, 20 19. The legal representative is Liu Xinghua. The business scope of the company includes: the general business items are: (1) public offering of wealth management products to unspecified public, investment management of entrusted investors' property; (2) Non-public issuance of wealth management products to qualified investors and investment management of entrusted investors' property; (3) Financial consultancy and consulting services; (4) Other businesses approved by China Banking Regulatory Commission.

2065438+On June 3, 2009, CCB Financial Co., Ltd. held its opening ceremony in Shenzhen, Guangdong Province.

2065438+On June 3, 2009, Jianxin Wealth Management Co., Ltd., a wholly-owned subsidiary of China Construction Bank, held an opening ceremony in Shenzhen, Guangdong Province, which marked the official opening and operation of the first financial management subsidiary of a commercial bank in China.

The registered capital of CCB Financial is RMB 654.38+05 billion, and its registered place is Shenzhen, Guangdong Province. In the process of preparation, CCB took the lead in submitting an application for preparation to the CBRC, and the first batch was approved for preparation. On May 20, it was approved to open in China Banking Regulatory Commission, and on May 27, CCB announced the formal establishment of CCB Financial Management.

The net transformation of CCB's wealth management is slower than expected, and the direction is still dominated by the non-standard advantages of the parent bank. The product lines are mainly structured deposits and fixed income+. As a big state-owned bank, its pace is relatively steady, and it lacks market-oriented mechanism and transformation courage in the three-foot asset management line business.

Although it is the first listed bank to raise funds, the current development progress and efficiency are worrying. Up to now, more than a dozen financing companies have officially opened in the market, and foreign investors are encouraged to participate in the establishment of financing companies. It can be said that the competition in this new industry is becoming more and more fierce. Companies are speeding up the layout and increasing investment in research and development, while CCB continues to steadily cultivate non-standard bonds. It can be said that it does not pay attention to the independent management of secondary market assets.

Generally speaking, the future focus of CCB's financial management will be scale. If it can successfully take over the stock scale of CCB Head Office, it will still be expected to become a giant in the field of asset management.