According to the property of ownership, financial products can be divided into two categories: property products such as stocks, options and warrants, and creditor products such as national debt and bank credit products.
According to the expected income, wealth management products can be divided into non-fixed income products such as stocks, options and funds, and fixed (also called structured) products such as bonds and credit products.
According to the length of time, risk degree and trading place, financial products can be divided into short-term products, long-term products, low-risk products, high-risk products, currency (market) products and capital (market) products.
Financial products refer to various carriers in the process of financing, including currency, gold, foreign exchange and securities. In other words, these financial products are the trading objects in the financial market. The supply and demand sides form the price of financial products, such as interest rate or yield, through the principle of market competition, and finally complete the transaction to achieve the purpose of financing.
Such as stocks, futures, options and insurance policies are all financial assets, also known as financial instruments and securities.
References:
Baidu encyclopedia? financial products