Many people have some misunderstandings about financial management. Financial management is not just an investment method. Financial management can be regarded as a general term for investment methods. The bank's wealth management products include both fund bonds and insurance wealth management. Bank employees may not necessarily not buy their own bank's wealth management products, but their perspective will be more objective.

First, the income can not meet their own requirements.

Many people have the impression that the income of wealth management products can reach 10% or 20%, but most banks will not sell such products. The higher the income, the higher the risk. Banks need to consider their own reputation risks and legal risks. The income of wealth management products of general banks is between 4% and 6%. For some older bank employees, these figures are quite large, but for young employees, the benefits of these products are relatively small. Investment channels such as Yu 'ebao or P2P have much higher income than simple bank financing.

Second, their income can't meet the standard of purchasing wealth management.

The initial deposit amount of most bank wealth management products is 50,000 yuan, and the initial deposit amount of wealth management products with higher returns is100,000 yuan. The salary level of bank employees, especially young people, is far from 50,000 or100,000. Bankers are no longer lying down to make money. The low salary level makes many people choose to give up buying wealth management. Other investment methods, such as Yu 'ebao and P2P, have low initial deposit requirements and relatively flexible investment methods, which are more suitable for many young people working in banks.

Third, investment methods are becoming more and more diversified.

The bank's wealth management products include not only narrow wealth management, but also fund national debt insurance. Many bank employees will not buy wealth management products because of the limitation of income and initial deposit amount, but will choose to buy funds or invest in the form of fixed investment of funds. Many bank employees, even if they are not financial professionals, will have some basic financial knowledge after long-term exposure to the banking environment. Bank employees will choose a more suitable investment method according to their actual situation and needs, instead of just looking for regular savings, national debt or wealth management products like many customers. What suits you is the best.

As can be seen from the above, many bank employees will choose their own banking products for investment, but what employees choose is not necessarily wealth management products, but more likely something else. It is the bank staff's way to manage money to have a clear concept of their own property and choose the product that suits them best.