Answer: A, C, D Compared with previous bank financial products, overseas financial products on behalf of clients have the following characteristics: First, the capital investment market is overseas.

Second, investable overseas financial products and overseas financial markets are limited.

Currently, commercial banks are not allowed to invest on behalf of clients in overseas commodity derivatives, hedge funds, and securities rated below BBB by internationally recognized rating agencies; third, they can invest directly in RMB.

Customers can purchase overseas financial products on behalf of their customers with their own foreign exchange or RMB, and the bank will conduct overseas investment after exchanging foreign exchange at the State Administration of Foreign Exchange on behalf of the customer.