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Which financial products can be used as collateral for loans?
Wealth management quality pledged loans refer to bank customers pledging the beneficiary rights to the future earnings of wealth management products (including entrusted wealth management products) that meet the requirements of the lending bank, and applying for relevant loans from the bank.

The maximum loan period for wealth management mortgage loans shall not exceed the expiration date of the personal entrusted financial management business agreement or contract; the loan interest rate shall be based on the commercial bank loan interest rate regulations for the same period announced by the People's Bank of China, which can be obtained at the People's Bank of China Fluctuate up or down within the specified range.

The financial products sold by banks to customers are commercial banks that raise funds from investors, obtain nominal ownership of the raised funds, and manage and use the raised funds. The funds are independent of the commercial bank's own capital system. They are off-balance sheet assets, and their income ultimately belongs to the beneficiaries of the financial products.

Extended information:

The following four common categories of financial products are:

1. Savings

Savings, or deposits, are popular among It is an investment behavior welcomed by ordinary households and is also the most commonly used investment method. Compared with other investment methods, savings are safe and reliable (protected by the constitution), convenient (savings business outlets are all over the country), flexible in form, and inheritable. Savings is a business in which banks mobilize and absorb residents' surplus monetary funds through credit.

2. Gold speculation

Since the Bank of China launched the "Huanghuangbao" business in Shanghai specifically for individual investors, gold speculation has been a hot spot in the personal financial management market and has attracted much investment. readers’ attention and favor. Especially in the past two years, international gold prices have continued to rise. It is foreseeable that with the gradual opening up of the domestic gold investment field, the growth potential of gold demand in the future is huge.

3. Funds

Since the first batch of closed-end funds were successfully issued in 1997, funds have been highly praised by domestic individual investors. As of 2012, funds have significantly exceeded deposits. It has become the top priority among many aspects of investment and financial management. According to relevant information, the net value of domestic funds today has exceeded 200 billion yuan. According to the survey, in 2013, many investors are still very optimistic about the advantages and characteristics of funds such as stable income and low risks, and hope to obtain ideal returns through fund investment.

4. Stock trading

Some experts have analyzed that the capital supply and demand situation will be relatively optimistic in the future, which is undoubtedly a shot in the arm for the capital-driven Chinese stock market. In addition, the China Securities Regulatory Commission has put forward more stringent requirements on the performance calculation and financing amount of listed companies, and has strengthened the regulation of the stock market, which will bring profit opportunities to investors. But no matter what, the biggest feature of the stock market is uncertainty, and opportunities and risks coexist. Therefore, investors should continue to remain cautious and invest at the right time.