1. Time deposit. After the bank’s time deposit expires, users can withdraw their principal and interest.
2. Current deposits, current deposits have lower interest rates, but there will also be some interest every day, which is just a small amount.
3. Yu’E Bao, Alipay’s Yu’E Bao, is a monetary fund with principal and interest guaranteed.
4. Lingqiantong, when the funds are not used in Lingqiantong, you can automatically earn income.
5. Capital-guaranteed financial products released by banks, such as China Merchants Bank’s 6906, 8136, etc. All major banks have capital-guaranteed financial products in this area.
Wealth management products are products designed and issued by commercial banks and formal financial institutions. The funds raised are invested in relevant financial markets and purchased related financial products in accordance with the product contract. After obtaining investment income, according to A type of product stipulated in the contract to be allocated to investors.
The China Banking and Insurance Regulatory Commission issued the "Interim Measures for the Management of the Sales of Wealth Management Products by Wealth Management Companies" to strengthen the management of the sales process of wealth management products and clarify a number of prohibited behaviors in the sales process of wealth management products to effectively protect the legitimate rights and interests of investors. . The measures will come into effect on June 27, 2021.
Treasury bonds
There are many varieties in the treasury bond market, and investors have many choices. New attempts and reforms have also been made in the issuance of treasury bonds, which have further improved the marketization level of treasury bond issuance to minimize the interference of non-market factors. In addition, the secondary market for government bonds will also become the focus of development in 2013. It can be seen that this series of innovations in national debt will definitely bring more investment options and greater profit margins to investors.
Bonds
The boom in the bond market was unexpected. Various signs indicate that corporate bond issuance is likely to accelerate in 2013, and corporate convertible bonds, floating-rate bonds, bank subordinated bonds, etc. may become good investments for people. In addition, the China Banking Regulatory Commission will include subordinated term debts in supplementary capital to supplement the capital structure of commercial banks, making bank bond issuance imminent, which will fuel the resurgence of the bond market.
Foreign Exchange
As the U.S. dollar exchange rate continues to decline, more and more people have made considerable profits through personal foreign exchange transactions, which has also made the foreign exchange market extremely hot for a time. Various foreign exchange financial management products have also been launched one after another, such as Huishitong of commercial banks, Foreign Exchange Bao of Bank of China and Agricultural Bank of China, and Express Huitong of China Construction Bank, etc. for investors to choose from. In 2013, the Chinese government will continue to adhere to the principle of RMB stability and adopt measures such as linking RMB and foreign exchange and increasing enterprises' foreign exchange autonomy to promote the healthy development of the foreign exchange market. Therefore, relevant experts analyze that there will be greater room for investment profits in the foreign exchange market and there will be more opportunities.