According to the size of risks, bank investment models can be divided into three categories: guaranteed floating past income products, guaranteed floating past income products and non-guaranteed floating past income products. The constant wealth of Zhanheng Fund Network and ordinary trust (trust belongs to invisible rigid redemption) generally belong to the investment mode of fixed past income; The investment methods of banks are mainly capital preservation and floating past income investment; The securities investment model generally belongs to the non-guaranteed floating past income investment model.

Generally speaking, the investment risk of capital preservation and floating past income products is less than that of capital preservation and floating past income products. However, the specific risks are also comprehensively considered with reference to other factors such as investment target and structural design.

Two, the bank investment model is divided according to the length of the term.

According to the time limit, the investment methods of banks can be divided into open products (which can be purchased and redeemed at the agreed time every day or week), ultra-short products (within 1 month), short products (1~3 months), medium products (3 months ~ 1 year) and long products (above 1 year). Generally speaking, the longer the term, the greater the liquidity risk and the higher the past income. Moreover, open products need to maintain a certain liquidity to meet the redemption requirements, and the proportion of liquid assets such as currency needs to be increased in asset allocation, which will reduce the product's past yield to some extent.

Three, the bank investment model according to the direction of investment.

According to the investment direction, the investment methods of banks can be divided into money market products (investment in interbank lending, short-term securities market and bond derivative market), capital market products (investment in stocks, bonds and funds) and industrial investment products (investment in credit assets and equity investment). Risk is related to the specific objectives of investment. The common ways of bank investment are trust, hook and QDII.

The trust bank investment model invests in trust products that have the beneficial right of excellent credit assets of commercial banks or are guaranteed or repurchased by commercial banks or other financial institutions with higher credit ratings.

Linked bank investment model products are linked to exchange rates, interest rates, international gold prices, international crude oil prices, Dow Jones index, Hong Kong stocks and other related markets or products.

The essence of QDII bank investment model is overseas investment on behalf of customers, that is, customers entrust RMB funds to qualified domestic investment institutions (such as commercial banks with overseas investment qualifications on behalf of customers), and qualified domestic investment institutions convert RMB funds into US dollars, directly invest overseas, and after the maturity, the past earnings and investment principal of US dollars are settled into RMB and distributed to customers.

Four, the bank investment model is classified according to the design structure.

According to the design structure, the bank investment model can be divided into single product and structural product. Structured products refer to the investment model in which financial derivatives are embedded in the transaction structure. Because financial derivatives are generally margin transactions, they have the characteristics of small and wide, and they have greater risks and higher yields in the past.

Five, the bank investment model according to the distribution and purchase channels.

According to the distribution and purchase channels, bank investment models can be divided into traditional channels and emerging channels. Traditional channels include banks, insurance companies, securities companies, futures companies and fund companies. Emerging channels refer to third-party investment and comprehensive investment service institutions such as Zhanheng Fund Network. In view of the good service, low fees and obvious advantages in product variety, innovation and past profitability of emerging investment channels, more and more investors tend to choose emerging channels for investment.