What is bank financing?

Bank wealth management products are management plans for commercial banks to develop, design and sell funds for specific target customers based on the analysis and research of potential target customers.

To put it simply: banks first study customers' needs, then develop and design some products to help customers manage their investments according to these needs, and finally sell these products to customers. Therefore, strictly speaking, bank financing is a financial product issued and managed by banks themselves.

Classification of bank wealth management products

The term can be divided into current+,fixed+,net worth and structured financial management, or cash, fixed income and structured financial management.

Current account+:

"Current+"wealth management product is a kind of money fund product issued by banks, which has high security and liquidity.

Net value type:

Network financing is the main product of bank financing in the future, similar to public offering funds.

Classification of bank wealth management products

General+:

"Regular+"wealth management products are similar to traditional expected income products, and generally have a fixed term and expected annualized rate of return.

Structured deposits:

Structured financial management is very similar to structured deposits, but there are great differences in essence. Structured deposit means that the deposit bank bears the repayment responsibility of 100% and is guaranteed by deposit insurance.

Investment and financial advice

1, pay attention to the future trend. Looking at the general direction towards 0 is the key to determine the future trend of wealth management products.

2. Establish reasonable expectations. You can't expect too much. The absolute expected return set is too high. Even a slight decline, your mentality will be unbearable.

3. Earn income by your own work income. Investment funds need idle funds, and we can't expect to get income from investment.