The wealth management of Chang 'an Bank is a basic wealth management product. When users subscribe and redeem, they need to operate at least one trading day in advance, and at the same time, they need to reserve a certain time to receive the account. At present, the arrival time of many wealth management products is generally 1~3 working days. Under special circumstances, users only need 7 working days at most to arrive at the account normally.
First, the analysis of the account.
1. If it is a normal redemption of wealth management, the general time for funds to arrive is to automatically call the bank card bound to the wealth management account within 2-3 days after the redemption of wealth management.
2. Abnormal redemption (the bank terminates the wealth management products in advance or the customer terminates them in advance due to debt and other reasons. ), the bank will determine the amount of wealth management paid by the customer in advance according to the actual situation, and the funds will arrive within 5-7 days after the successful payment, and will be postponed in case of holidays.
Second, the trading day principle of redemption operation.
The redemption time of different wealth management products is different, and three types are briefly introduced:
1, the redemption time of open bank wealth management products ranges from T+0 to T+2 days, and it will be relatively extended if there are holidays;
2. Closed-end bank wealth management products can only be redeemed automatically by the system after the closure period expires, and this process will generally not exceed T+3 days;
3. Fund products have no fixed investment term, and investors can redeem them freely within the investment term, but the redemption time of different fund types is different. The redemption time of monetary and bond funds is T+ 1 or real-time receipt, while the redemption time of stock funds and hybrid funds is generally T+2.
Third, the basic content of Changan Bank's financial management.
Changan Bank Company is an open net worth wealth management product independently developed and put into production on June 26th, 2020. Once the product was launched, it was deeply loved and praised by investors. This product pays dividends on a quarterly basis and has the characteristics of openness and personalized charging. The actual investment income of this product in the first investment cycle is 4.67%, which well meets the investors' demand for liquidity and income stability.