Many banks take the initiative to stop Internet wealth management products from being gradually restricted, that is, you buy them before, which can ensure that this product enjoys normal rights and interests before it expires. However, I didn't buy it before, and I can't buy it now, because the wealth management products stored online violate the principle of market competition.

What we are greatly restricted by Internet wealth management products is deposits. For example, you now have 654.38+10,000 yuan in your hand, which is a large deposit certificate. Some banks have 6.5438+0.5 million yuan, but they have basically reached the threshold. You can put it in the local offline bank. The interest rate of certificates of deposit is different from that of ordinary 6,543,800 yuan, which is floating. However, if you deposit money online, you may deposit 1 1,000 yuan or even thousands of yuan, reaching the interest rate level that can only be given by large deposit certificates of offline banks.

Because the bank belongs to the bank, it is to give an interest rate range. For example, this year or a quarter, your deposit interest rate, one year, two years, three years, five years should be at what level. You can choose to float up and down by 0.25% or a little more, but you can't exceed this range. It is illegal to exceed this range, but many wealth management products for Internet deposits are quietly emerging. Strictly speaking, it is illegal, because your money may be 3.5% offline, but it can reach 4.5% online, which is beyond the allowable floating space.

A few months ago, someone raised the issue of this local bank absorbing deposits across its business scope. In other words, except for the four state-owned banks, many other banks are local banks with limited business scope. It is not the business scope of the whole country, but absorbing deposits through the internet financial platform has crossed the boundary of this scope. If there were any risks at that time, this bad supervision also violated the original intention of limiting his business scope.

Now, if you have some Qian Qian on hand, you can consider buying a gold hedge fund. It depends on your own professional knowledge. If you know something about radicalism and know which sectors can enter and which sectors can't, you can try. But if you are a white boy, try water first for hundreds or thousands of dollars a year. Don't put all your eggs in one basket, because there are many ways to invest.