Xing Yin Tian Baoli is a cash management product issued by Xing Yin Wealth Management Co., Ltd. (a wholly-owned wealth management company of Industrial Bank). There is nothing wrong with the product itself, and there is no non-compliance at present. Looking at these innovative bank deposits now, there is a feeling of being born with Yu and He Shengliang!
First look at the basic attributes of the product: the initial purchase amount of the product is 0.0 1 yuan, and a single person can hold up to 200,000 yuan, which supports unlimited real-time transfer (no income is calculated on the transfer day). Look at the investment of products: as a fixed-income product, there are certain requirements for the investment scope of products. Interested friends can look at the manual of this product. There is no need to expand here. After all, as a user, you can't know the location of the product in real time. Can be seen as, similar to the money fund investment.
Although it is indeed a low-risk product (R 1 according to the internal rating of Xingyin Finance), after reading the product manual, we can know that this product itself belongs to non-guaranteed and non-fixed income. Therefore, if this product is described in one sentence, it is a wealth management product issued by a wholly-owned wealth management company of Industrial Bank, and Weizhong Bank is selling it. For most users, it is a normal demand to pursue higher returns under safe conditions (or under tolerable risks). If you have sufficient funds, 200,000 certificates of deposit+is definitely the first choice at present. Without 200,000+,there are actually many high-interest demand deposits, such as 3.8% smart deposits of Yingkou Coastal Bank and 3.3% Trinity Chain deposits of Sanxiang Bank. How is it more fragrant than this period! After all, bank deposits are products that protect capital and interest ~