For example, Guotai Junan's cash housekeeper wealth management products. After the stock market closes at 3: 00 p.m. every day, you can buy cash housekeeper products directly from the funds that have not been traded on that day in the stock account, with an annualized income of 3%-4%, which is 10 times that of demand deposits. And the principal will reach the investor's stock account at 9: 00 before the opening of the next trading day, which will not affect the investor's daily trading operation. The threshold for this kind of products to participate for the first time is 50,000 yuan. In the future, as long as it is an integer multiple of 1 10,000 yuan, the minimum retained fund in the account needs to be set to at least 1 10,000 yuan, and all other amounts can participate in this wealth management product.

There are also similar margin financing products of Guo Xin Securities, Essence Securities, Huatai Securities, Ping An Securities and Guangfa Securities. As long as the investor signs an agreement with the securities company, the broker will automatically grab the account funds for investment, and the funds will bear interest on a daily basis, and the cash will automatically return to the account the next day. To cash it, just make an appointment on the computer software one day in advance. If the deposit balance of the account is insufficient, the idle funds will automatically withdraw from the product.

In addition, Guotai Junan's stock account can also buy Tianhuibao (bond pledged quotation repurchase). The company pledges bonds, and uniformly reports the interest rates of varieties for each term every day. Customers accept the quotation and put the funds into the company, and there will be mature or stable income. The funds arrive in real time and can be collected the next day.

Stock agreement reverse repurchase and capital preservation income certificate

Guo Xin securities account can also operate stock agreement reverse repurchase. According to reports, institutional or individual customers can participate, and more than 2,300 stocks on the Shanghai and Shenzhen Stock Exchanges meet the target selection. The amount of restricted sales is small, supporting tradable shares and restricted shares with a restricted sales period of less than one year. The average discount can reach 43%, and the loan can be realized in three weeks at the earliest. It is generally lower than that of banks, trusts and small loans. The starting point of financing is 50 million yuan, and the financing period is no more than two years, covering the restricted sales period. The unexpired contract amount of a single customer does not exceed 500 million yuan; In principle, the share of a single pledged stock shall not exceed 30% of its total issuance; In principle, the proportion of shares pledged by a single customer to the number of shares it holds shall not exceed 70%.

In addition, the income voucher products of Guosen Securities are suitable for the following investors to invest: non-financial institutional customers who have a lot of idle funds and want to make "capital preservation" investments; Financial institution customers who want to enrich investment varieties and have the need to issue structured products; Eligible individual investors, the product period does not exceed one year. The product consists of fixed income and floating income, in which the floating income is linked to the Shanghai and Shenzhen 300 Index, and the interest base is 365 days, and the principal is fully repaid at maturity. It belongs to low-risk capital preservation type. The subscription amount is 6,543,800 yuan, and the excess should be an integer multiple of 6,543,800 yuan. Non-convertible and non-transferable. The raised funds are used for capital intermediary business such as stock pledged repurchase, agreement repurchase securities trading and margin financing and securities lending.

Financial management function of some brokerage accounts

Name of Securities Company Financial Management Function of Securities Account

Guo Xin securities and bonds reverse repurchase, margin financing and securities lending, fund subscription, margin financing and securities lending, stock agreement reverse repurchase, income certificate products.

Guotai Junan bond reverse repurchase, margin financing and securities lending, fund subscription, cash manager, bond pledged quotation repurchase.

Essence Securities bonds reverse repurchase, margin financing and securities lending, fund subscription, margin financing and securities lending.

Huatai Securities bonds reverse repurchase, margin financing and securities lending, fund subscription, margin financing and securities lending.

Ping An Securities bonds reverse repurchase, margin financing and securities lending, fund purchase and margin financing and securities lending.

GF Securities bonds reverse repurchase, margin financing and securities lending, fund subscription, margin financing and securities lending.