1. Generally, wealth management products can be purchased through commercial banks or non-bank financial institutions. Traditional channels include banks, insurance companies, securities companies, futures companies and fund companies. Emerging channels include: third-party financial institutions and integrated financial service institutions.
2. China's financial market management institutions are mainly based on the People's Bank of China, the China Securities Regulatory Commission, the China Banking Regulatory Commission, the China Insurance Regulatory Commission and the State Administration of Foreign Exchange.
3. Wealth management products, that is, a wealth management product designed and issued by commercial banks and formal financial institutions themselves, invest the raised funds in relevant financial markets and purchase relevant financial products according to product contracts, and then distribute them to investors according to the contract after obtaining investment income.
Extended data:
Main trends:
First, the gradual expansion of interbank financial products, mapping the original "silver-silver" cooperation model between foreign-funded institutions and Chinese commercial banks into the interbank financial management model between large domestic banks and small and medium-sized banks.
Secondly, the gradual attempt of portfolio insurance strategy, whether the product is stable or not, does not depend on whether to participate in the investment of high-risk assets, but on the rational allocation of investment portfolio.
Third, the number of dynamic management products is increasing gradually, and the flexible investment direction and portfolio and high liquidity are the main advantages of such products. However, the information transparency of such products is worthy of attention.
Fourthly, with the gradual prosperity of POP(Product of Product), different types of bank wealth management products can meet the investment needs of investors with different risk tolerance through combination construction.
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