Fixed-income wealth management products refer to wealth management products with fixed income, and investors can obtain income according to the expected rate of return agreed in advance. Fixed-income wealth management products mainly include bonds, money funds, insurance wealth management products, trusts and bank deposits. Bonds are valuable securities that enterprises and banks borrow from the society to raise funds. Monetary funds refer to the accumulation of social idle funds, which mainly has the characteristics of high security, high liquidity and stable income.

Trust business is a legal act based on credit, which generally involves three parties, namely, the trustor, the trusted trustee and the beneficiary who benefits from others. Trust property includes both tangible property, such as stocks, bonds, goods, land, houses and bank deposits, and intangible property, such as insurance policies, patents and trademarks, and reputation.

Bank deposit is the currency deposited in the bank, and it is an integral part of monetary funds. According to the provisions of China's cash management system, every enterprise must open a deposit account with the People's Bank of China or a specialized bank for deposit and withdrawal and transfer settlement. The monetary funds of an enterprise must be deposited in the bank, but a small amount of cash can be kept within the prescribed limit.

Bank deposits of enterprises mainly include: settlement account deposits, letter of credit deposits, foreign deposits, etc. The cashier is responsible for the receipt and payment of bank deposits. Every bank deposit income and expenditure business must prepare accounting vouchers according to the audited original vouchers.