The demand surplus of Bank of Communications belongs to bank wealth management products, and the demand wealth management products issued and managed by Bank of Communications Wealth Management Co., Ltd. are low-risk wealth management products with relatively low risks and stable returns. At present, the annualized rate of return is expected to be around 3%.

Monetary fund is an open-end fund that collects idle social funds, is operated by fund managers and kept by fund custodians. It specializes in investing in low-risk money market instruments, which is different from other types of open-end funds. It has the characteristics of high security, high liquidity, stable income and "quasi-savings".