Bank financing expires, and now I start to buy reliable products. After the expiration of bank wealth management, it is necessary to pay more attention to the payment risk of wealth management products. Timely payment is very important for wealth management products. If it cannot be paid on time, the investment of this wealth management product is likely to have problems. In order to reduce the loss, it is necessary to postpone the late investment or repurchase by stages to alleviate the financial pressure of the issuer. It is recommended not to postpone the purchase of wealth management products, unless there is an unexpected situation that seriously affects investment, which will delay the repurchase of wealth management products.

Judging from the current situation, most wealth management products can be cashed on time. Even if there are wealth management products that need to be repurchased immediately, they are basically wealth management products with risk level above R3, and the high probability of not repurchasing immediately is high-risk wealth management products. It is reported that low-risk wealth management products can basically be repurchased on time, but some wealth management products in yield to maturity fail to meet the performance standards. Even if the investment risk of low-risk wealth management products is not high, the income may not be expected for various reasons.

When purchasing products, the expected rate of return is 4.5%, while the actual rate of return is 2.5-3%. The actual income of many wealth management products is much lower than expected. If the bank financing expires, the money can't be used at this time, and you can continue to buy. Because some assets can be automatically extended after expiration, and some assets do not have this product after expiration. To decide whether to continue buying, you need to know about other wealth management products. So you must decide whether to continue to buy according to your actual situation and the status of bank products.

Of course, the reliability of bank wealth management products is generally not a problem. Although there are risks, the stability of bank wealth management products is still relatively high compared with funds and stocks. Non-guaranteed products are divided into guaranteed floating income products and non-guaranteed floating income products. Financial products with capital preservation and floating income refer to financial products in which the bank guarantees to pay the principal to the customer according to the agreement, the investment risks other than the principal are borne by the customer, and the actual income of the customer is determined according to the actual investment income, and vice versa.