1. Go to a bank branch to activate online banking. There is a paper gold trading function in "Investment and Financial Management". Just follow the prompts step by step;

2. Transact through the counter. , first open a bank current account, transfer investment funds to this account, and then when you need to trade, go to a teller or personal business consultant and tell them how much you want to buy or sell. There is also a virtual financial account in the middle. This is because you must have a financial management account to do this kind of financial management business in CCB.

Financial management products are products designed and issued by commercial banks and formal financial institutions. The funds raised are used according to the The product contract stipulates that the investment in the relevant financial market and the purchase of relevant financial products are a type of product that is distributed to investors according to the contract after obtaining investment income.

The China Banking and Insurance Regulatory Commission issued the "Interim Measures for the Management of the Sales of Wealth Management Products by Wealth Management Companies" to strengthen the management of the sales process of wealth management products and clarify a number of prohibited behaviors in the sales process of wealth management products to effectively protect the legitimate rights and interests of investors. . The measures will come into effect on June 27, 2021.

Bond type

Invest in the money market, and the products invested are generally central bank bills and corporate short-term financing bonds. Because central bank bills and corporate short-term financing bills cannot be directly invested by individuals, this type of RMB financial products actually provides customers with the opportunity to share the income from money market investments.

Linked type

The final yield of the product is linked to the performance of the relevant market or product, such as linked to the exchange rate, linked to interest rates, linked to international gold prices, linked to international crude oil prices, Linked to the Dow Jones Index and Hong Kong stocks, etc.

QDII type

The so-called QDII, that is, qualified domestic investment institutions that conduct overseas financial management on behalf of clients, refers to commercial banks that have obtained the qualification for overseas financial management business on behalf of clients.

QDII-type RMB financial products, to put it simply, mean that customers entrust their RMB funds to qualified commercial banks, and the qualified commercial banks will convert the RMB funds into U.S. dollars and invest directly overseas. After maturity, they will Financial products that are distributed to customers after the US dollar income and principal are converted into RMB.

Electronic Spot

New Investment and Financial Management Products

Investment Channels

Financial management products can generally be purchased through commercial banks or non-bank financial institutions .

Traditional channels include: banks, insurance companies, securities companies, futures companies, and fund companies.

Emerging channels include: third-party financial institutions, comprehensive financial services institutions

Profit rate

For example, is the rate of return in an advertisement an annual rate of return or a cumulative rate of return? ;Whether the product withholds tax, and whether the rate of return in the advertisement is the pre-tax rate of return or the actual rate of return.