89-day financial management (annualized rate of return is 4.8%, with low risk):
1. Product investment scope
The investment scope of this financial management product is: ① credit investment and trust financing investment, with the proportion of such investment ranging from % to 7%; (2) Bond investment, subscription investment in the primary market (including but not limited to initial public offering, issuance of new shares, convertible bonds, convertible bonds with separate transactions, etc.), and investment in money market instruments (including but not limited to cash, bank deposits, cash repurchase within 7 days, government bonds, financial bonds, bank acceptance bills, large negotiable certificates of deposit, central bank bills, money market funds, bond reverse repurchase, etc.), with the proportion of such investments ranging from 3% to 1.
ii. basic elements of products
product name
citic wealth management express plan a No.249
product type
non-guaranteed floating income type, closed type
risk rating of citic wealth management products
PR2 level (stable type, yellow level), which is suitable for stable, balanced, enterprising and radical customers. This risk classification is assessed by CITIC Bank for reference only, and CITIC Bank does not guarantee the accuracy of the above risk classification results in any form
Currency and subscription starting point
The investment and income currency of this product is RMB, and the initial subscription amount is not less than RMB 5,, which is an integral multiple of RMB 1,.
Single Subscription
CITIC Bank has the right to refuse if the single subscription amount of investors is more than 1 million yuan or exceeds the upper limit of this financial plan. For the subscription application that CITIC Bank decides to reject, the subscription is deemed unsuccessful.
financial management code
A13A55
(the subscription amount is more than RMB 5, (inclusive))
raising period
from February 16, 213 to February 21, 213 (the subscription funds bear interest on demand deposits during the raising period and are not included in the subscription principal. The bill cannot be withdrawn on the last day of the fundraising period. )
trading time
1. The trading time of this product is from 8: to 17: 3 (CITIC Bank has the right to change the trading time without further notice or announcement); During the raising period, CITIC Bank accepts the purchase application of investors during the trading hours.
2. CITIC Bank has opened the pre-acceptance function for the purchase during the offering period, that is, during non-trading hours, CITIC Bank can accept the pre-acceptance application for financial purchase submitted by investors through sales channels; During the fundraising period, the pre-acceptance application for purchase will be suspended at the end of the bank day, and the pre-acceptance application will be stopped after the trading hours on the last day of the fundraising period.
Deduction date
Feb. 22, 213 (The investor and CITIC Bank hereby agree that if the single subscription amount is more than RMB 1 million (inclusive), CITIC Bank does not need to make a final confirmation with the investor by telephone or other means when transferring funds. )
revenue start date
February 22, 213 (if CITIC Bank adjusts the offering period, the revenue start date will be adjusted to the next working day after the end date of the offering period)
maturity date
May 22, 213 (subject to the revenue start date and early termination clauses, the revenue is calculated as of the day before the expiration date of this product)
Nominal term <
return of wealth management principal and income
1. During the existence of this wealth management product, redemption is not open; The financial principal and income shall be paid in one lump sum within 2 working days after the maturity date according to the actual situation, and the arrival date shall be before May 24, 213 (including the next working day in case of holidays in China).
2. If the offering period changes (the offering period ends early or the offering period is extended), or the product value date (the income value date) changes, or the liquidation period falls on a legal holiday in China (including weekends), the product interest payment date, maturity date and account arrival date may be adjusted accordingly as appropriate. If the adjustment is made, CITIC Bank will make a separate announcement on the website.
Basic information of the trustee
CITIC Trust Co., Ltd., registered at 13th floor, Jingcheng Building, No.6 Xinyuan South Road, Chaoyang District, Beijing, with zip code of 14, and legal representative: Pu Jian.
The planned fundraising amount
is RMB 715 million. CITIC Bank has the right to adjust the product scale according to actual needs, and the final product scale is subject to the actual fundraising amount. (If the planned fundraising amount is not reached during the fundraising period, CITIC Bank has the right to terminate the fundraising plan in advance and return the investment principal to the investor's wealth management fund account within 2 working days after the announcement of the termination of fundraising, and CITIC Bank reserves the right to extend the fundraising period of this product; If the planned fundraising amount is reached in advance during the fundraising period, CITIC Bank has the right to end the fundraising and set up products and interest in advance. At that time, CITIC Bank will inform investors by issuing announcements through CITIC Bank's website (/), outlets and other channels. )
Purchase channel
Investors can purchase this product through channels such as designated outlets of China CITIC Bank.
The income calculator
CITIC Bank and CITIC Trust
have no pledge clause
and cannot pledge.
tax
the tax payable for wealth management income shall be paid by the investors themselves, and CITIC Bank and CITIC Trust shall not undertake the obligation of withholding and remitting.
cost
1. There is no subscription fee for this product.
2. The product is charged with fixed management fees such as sales service fee, custody fee and trust reward of .19%/ year, of which: (1) the sales service fee is .6%/ year; (2) The custody fee is .5%/ year; (3) Trust reward is .8%/ year.
3. After deducting relevant taxes and fixed management fees, the annualized trust rate obtained by the trust plan invested in this product exceeds the highest calculated annualized rate of return of this wealth management product, which is the floating management fee of the product manager.
4. The above expenses shall be calculated and paid according to the above rates based on the total amount of funds raised by the products.
information disclosure method
1. When this wealth management product expires, the principal and interest will be paid in one lump sum, and the proceeds will be paid according to the actual situation within 2 working days after the expiration date. CITIC Bank will publish relevant information announcements on CITIC Bank's website (/), outlets and other channels within 2 working days after the expiration date.
2. If CITIC Bank and the trustee decide to terminate this wealth management product in part or in whole, they will publish relevant information announcements on CITIC Bank's website, outlets and other channels within 2 working days after the termination date.
3. If the liquidation of this wealth management product needs to be postponed, relevant information announcements will be published on the website and outlets of CITIC Bank within 1 working day after the product expires.
4. During the duration of this financial plan, CITIC Bank has the right to supplement, explain and modify the terms and conditions of the instruction manual in the form of public announcement through information platforms and channels such as CITIC Bank's website, SMS and telephone. If the customer does not accept it, he can redeem the financial products before the supplement or modification takes effect according to relevant agreements. If the investor fails to apply for redemption to CITIC Bank before the change takes effect, it shall be deemed that he has agreed to accept the changed terms, and CITIC Bank has the right to operate according to the changed agreed contents. The website of CITIC Bank is the official information release channel of CITIC Bank, and other channels are auxiliary ways. Investors should regularly obtain relevant information about this financial plan through various information platforms and channels including the website of CITIC Bank.
risk classification of citic wealth management products and suitable types of investors
product risk classification
risk degree is suitable for investors
green
PR1 (cautious) cautious. And above
yellow
PR2 (robust) robust and above
orange
PR3 (balanced) balanced and above
red
PR4 (aggressive) ) enterprising and above
black
PR5 (radical) radical
376-day financial management (annualized rate of return of more than 5, yuan is 5.2%; The annualized rate of return of more than 8, yuan is 5.4%, which is low risk):
1. Product investment scope:
1. The funds raised by this product are mainly invested in: cash, money market instruments, credit assets, trust loans, trust income rights, entrusted creditor's rights, RMB interest rate swaps, pledged reverse repurchase, national debt, policy financial bonds, central bank bills, and issuers with a rating of not less than AA+. The investment proportion of various assets of this product is as follows:
investment proportion of asset types
cash, money market instruments, RMB interest rate swaps, pledged reverse repurchase of 1-1%
government bonds, policy financial bonds, central bank bills, corporate bonds/corporate bonds/medium-term notes/non-publicly-issued directional debt financing instruments/subordinated debts, Short-term financing bonds/ultra-short-term financing bonds not lower than AA level are 1-1%
credit assets, trust loans -9%
trust income rights and entrusted claims -9%
From the investment practice, the above investment ratio can fluctuate within the range of [-1%, +1%]; If it exceeds the floating range and may have a significant impact on customers' expected income, the Bank will disclose information on the website of CITIC Bank, and will actively take measures to adjust the investment ratio to return to the agreed range.
this product can be invested in the above-mentioned investment varieties by participating in or subscribing to the trust plan, the income right of the trust plan, the asset management plan of securities firms and other investment channels and ways allowed by the regulatory authorities, and all or part of the investment targets invested in this product can be transferred by the nominal asset holder at a fair price. If this product invests in some assets in proportion when making the above investment, the actual investment income will be realized according to the specific investment proportion of the underlying assets.
when the wealth management product expires, the principal and income returned to investors come from the distributable cash under the underlying assets, and ultimately from the principal and interest paid by the issuer or debtor of the underlying assets, or the income realized from the disposal of the underlying assets, or the funds invested in the underlying assets after subsequent subscription, or the income realized by realizing the product by other means.
ii. Basic elements of products
Product name: RMB wealth management products of "* * * Win" series of CITIC Wealth Management No.1313
Product type: non-guaranteed floating income type, closed type
The risk rating of CITIC Wealth Management products is PR2 (stable, yellow level), which is suitable for stable, balanced, enterprising and radical customers. This risk classification is assessed by CITIC Bank for reference only. China citic bank does not guarantee the accuracy of the above risk classification results in any form
the nominal interest-bearing period is 376 days (the actual product term is subject to the early termination clause)
the financial code B13A25 (the subscription amount is from RMB5, (inclusive) to RMB8, (exclusive))
B13A26
(the subscription amount is above RMB8, (inclusive)
the offering period is from February 16, 213 to February 21, 213. (The bank has the right to end the offering period ahead of schedule, set up products and interest in advance or extend the offering period, and the bill cannot be withdrawn on the last day of the offering period. )
trading time 1. The trading time of this product is from 8: to 17: 3 (CITIC Bank has the right to change the trading time without further notice or announcement); During the raising period, CITIC Bank accepts the purchase application of investors during the trading hours. 2. CITIC Bank has opened the pre-acceptance function for purchase during the offering period, that is, during non-trading hours, CITIC Bank can accept the pre-acceptance application for financial purchase submitted by investors through sales channels; During the fundraising period, the pre-acceptance application for purchase will be suspended at the end of the bank day, and the pre-acceptance application will be stopped after the trading hours on the last day of the fundraising period.
the planned fundraising amount is RMB 1.8 billion (if the planned fundraising amount is not reached within the fundraising period, CITIC Bank has the right to terminate the fundraising plan ahead of schedule and return the investor's principal, and CITIC Bank reserves the right to extend the fundraising period of this product; If the planned fundraising amount is reached ahead of schedule during the fundraising period, CITIC Bank has the right to end the fundraising ahead of schedule, set up products and accrue income ahead of schedule. If the fundraising period exceeds the planned fundraising amount, the actual fundraising amount shall prevail. )
currency and subscription starting point: the currency of investment and income of this product is RMB, and the initial subscription amount is not less than RMB 5,, which is an integral multiple of RMB 1,. (The investor and CITIC Bank hereby agree that if the single subscription amount is more than RMB 1 million (inclusive), CITIC Bank does not need to make a final confirmation with the investor by telephone, etc.).
if the single subscription stipulates that the single subscription amount of investors is more than 1 million yuan or exceeds the upper limit of the scale of this wealth management product, CITIC Bank has the right to refuse. For the subscription application that CITIC Bank decides to reject, the subscription is deemed unsuccessful.
the starting date of income is February 22, 213 (if the bank adjusts the raising period, it will be adjusted to the next working day after the end date of the raising period)
the due date is March 5, 214 (if it is postponed to the next working day in case of a legal holiday in China, the income will not be calculated separately)
The liquidation period is from the due date of liquidation period (or the actual termination date of wealth management products) to the date when wealth management funds are returned to investors' accounts.
when the financial management expires on the account date, if the product expires normally, the principal and income will be paid in one lump sum according to the actual situation within 1 working day after the product expires, and the account date is expected to be before March 6, 214 (inclusive), and it will be postponed to the next working day in case of China holidays (including weekends).
Product management party and income calculation party CITIC Bank
Purchase channel Investors can purchase this product through channels such as designated outlets of CITIC Bank.
No pledge clause, no pledge
Tax clause The tax payable for wealth management income shall be paid by the investors themselves, and CITIC Bank shall not undertake the obligation of withholding and remitting.
cost 1. this product is free.