Because it takes a certain clearing time to calculate the net value and share of wealth management products of net-worth banks, the fastest arrival time is also T+ 1.
Regarding the redemption of net worth wealth management products, banks will judge normal and abnormal situations according to the situation:
1. If the customer redeems the current product normally before the expiration date, the general bank will transfer the wealth management principal and income into the account agreed in the customer agreement within 3 working days after the expiration date;
2. In case of abnormal redemption, when the bank terminates the product early, the customer will hold the product until the early termination date. According to the actual situation, the bank will choose to pay in advance, postpone payment or pay in installments to customers. In this case, the payment plan will be given within 3 days, with a cycle of 5-7 days, which will be postponed in case of holidays.
According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.
What is financial management?
When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:
Financial management is a lifetime wealth, not just to solve the problem of urgent need for money.
2 Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.
③ Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).
Where can I manage my money?
At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management companies.
1. Bank investment
At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
3. Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.
4.APP financial management
At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people.