it belongs to fixed income open-ended wealth management products.

this fixed-term product must meet a certain period before it can be redeemed. The minimum holding time is 3 days, and there is no right to redeem it until 3 days.

yes, this fixed-term product must meet a certain period before it can be redeemed. The minimum holding time is 3 days, and there is no right to redeem it until 3 days.

ICBC Wealth Management Co., Ltd. was established on August 25th, 219, and its legal representative is Wang Hailu. On November 19, 219, the list of Asian financial competitiveness in 219 was announced, and ICBC Wealth Management Co., Ltd. won the "Financial Management Subsidiary of Competitive Bank in 219" award.

RMB wealth management products of banks can be roughly divided into bond type, trust type, linked type and QDII type.

bond type

invests in the money market, and the investment products are generally central bank bills and short-term corporate financing bills. Because individuals cannot directly invest in central bank bills and corporate short-term financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.

trust type

invests in trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and also in products of trust for beneficial rights of excellent credit assets of commercial banks.

The final yield of linked products is linked to the performance of relevant markets or products, such as linked to exchange rate, linked to interest rate, linked to international gold price, linked to international crude oil price, linked to Dow Jones index and linked to Hong Kong stocks.

QDII type

QDII, that is, qualified domestic investment institutions manage overseas wealth on behalf of customers, refers to commercial banks that have obtained the qualification to manage overseas wealth on behalf of customers.

QDII-type RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, the US dollar income and principal are settled into RMB and distributed to customers.

electronic spot

new investment and wealth management products

investment channels

wealth management products can generally 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 comprehensive financial services institutions.