According to the interpretation of the standard, bank wealth management products should be capital investment and management plans developed, designed and sold by commercial banks for specific target customers based on the analysis and research of potential target customers. In the investment mode of wealth management products, banks only accept the funds entrusted by customers, and the investment income and risks are borne by customers or both customers and banks in an agreed way.
A fund in a broad sense refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. People usually refer to funds mainly as securities investment funds.
In fact, bank financing and fund financing are essentially financial management on behalf of customers. The main difference lies in different business entities, different supervision and different product types. In short, if we do not consider the differences of business entities, the key depends on the product type. If it is a floating income product, whether it is made by a bank or a fund company, the difference is not great.
It should be reminded that bank wealth management products and funds are risky, but different products have different risk levels, but risks and benefits generally coexist. From investment and financial management to Golden Axe, Golden Axe is an asset allocation service platform driven by research and technology. Committed to providing customers with one-stop family financial analysis, investment strategies, and cross-cycle, all-category and diversified fund allocation schemes based on family goals and plans. Services cover convenient product search, fund redemption, net worth inquiry, wealth bookkeeping, configuration planning, investment consulting, etc. On the mobile side, PC side and WeChat side, it will eventually help families realize wealth preservation and investment consultation.