Knowing how to manage money is risky.

According to China Economic Net, eight banks including ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, Postal Savings Bank and Standard Chartered Bank said that currently zero-yield and negative-yield financial products account for a small proportion of all bank products.

, some are less than 1% of the issuance scale of bank products, this phenomenon is still normal.

?At present, the risk-return situation of the financial management business of my country's commercial banks is good. Most of the financial management products have achieved positive returns, and the returns are much higher than the time deposit interest rates.

Among the 3.7 trillion yuan in financial products raised by commercial banks in 2008, the loss rate was less than 2%. Calculated in terms of amount, the loss rate was less than 1.7%.

?Currently, the risks of financial products of major banks are divided into: 1. Risk-free financial products R1 bank deposits and treasury bonds 2. Lower-risk financial products R2 money market funds or partial debt funds 3. Medium-risk financial products R3 structure

The income ratio of sexual financial products (general bank fixed financial products, ranging from 28 to several years, for example) is R3>R2>R1, so risk and return go hand in hand. The higher the risk, the higher the return.

Agricultural Bank of China's financial products are also divided into three risk levels.

Extended information When faced with a loss-making financial product, should you continue to hold it or redeem it in advance?

Han Ying, a senior researcher at Oriental Huaer, believes that investors should "look at four things" before deciding to continue to hold or redeem: ? First, look at the product structure.

First of all, you should check whether you understand the target of the link.

Some financial products are linked to overseas targets, and it is difficult for investors to even check the data, let alone gain an in-depth understanding.

You need to be very cautious about targets that you are unfamiliar with and unsure of.

?Second, look at the possibility of realizing benefits.

The income conditions set by some financial products are limited to a certain period of time, while some financial products are limited to a certain observation day. Only by how much the stock rises on this day can the rate of return be realized.

In contrast, the probability of realizing returns within an observation interval is high, while the probability of realizing returns on a certain observation day is low.

?Third, check the product expiration date.

Financial products have a short one-year term, and many loss-making financial products were issued when the stock market was high, and the income conditions set were relatively harsh. Now the stock index has halved.

Such short-term financial products lose money, and there is no chance to even make up the money.

Some financial products have a longer time limit, especially those issued by some foreign banks. Some have a term of as long as five or six years, and the designed structure is relatively good. Even if you are losing money now, it is entirely possible to turn a loss into a profit. You might as well hold it for a long time.

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?Fourth look at the redemption conditions.

Some financial products do not allow early redemption, while some can be redeemed, but only at a specific time, and some have to pay redemption fees.

The redemption fees of many financial products are much higher than those of funds. For a financial product issued by a foreign bank, the redemption fee is as high as 2%.

?Han Ying reminded that there is another point to note. Although some financial products have capital protection, they must be guaranteed upon maturity. If redeemed early, they may lose their principal. In this regard, investors must read the terms of the financial products.

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