Huinongbao, launched by ordinary banks, is a financial product with guaranteed capital since it involves agriculture.
the wealth management products launched by banks are all for the purpose of saving money.
most of the deposits with the word "Bao" are time deposits. As customers, when making deposits, we should look at the term of deposit, the interest on deposit and the variety.
Generally speaking, wealth management products have strict time regulations, and cannot be withdrawn casually (it is clearly stipulated in the signing agreement). Therefore, you still abide by the agreed date to collect it. Of course, you really have to wait for the money for irresistible objective reasons. You may wish to consult with the bank.
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differences between huinongbao and fixed-term treasure:
1. different functions
1. huinongbao: it allows farmers to check the industry information, pay attention to market trends and understand the transaction progress anytime and anywhere.
2. Fixed-term treasure: Users can not only choose the wealth management fund cooperated by Tiantian Fund Network, but also cultivate their wealth management habits through periodic wealth management funds, and the subscription and redemption of fixed-term treasure's wealth management funds are all zero fees.
Second, the characteristics are different
1. Huinongbao: The popularization of Huinongbao can further improve the efficiency of "agricultural products entering the city and industrial products entering the village", thus maximizing farmers' income.
2. term treasure: it has the characteristics of low investment threshold, short term, stable income and low risk.
3. Different applications
1. Huinongbao: It mainly provides agricultural market quotation, expert consultation, agricultural technology knowledge learning, agricultural news, agricultural weather and other applications.
2. term treasure: used to provide authoritative, professional, timely and comprehensive financial services for investors, covering fund transactions, information, industry trends, data, rating and analysis.
bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customers based on the analysis and research of potential target customers. In the investment mode of wealth management products, the bank only accepts the authorization of the customer to manage the funds, and the investment income and risk are borne by the customer or both the customer and the bank according to the agreed way.
The Interim Measures for the Management of Personal Financial Services of Commercial Banks promulgated by CBRC defines "personal financial services" as "professional service activities such as financial analysis, financial planning, investment consultancy and asset management provided by commercial banks for individual customers". Personal financial services of commercial banks are divided into financial advisory services and comprehensive financial services according to different management and operation modes. What we generally call "bank wealth management products" actually refers to the comprehensive wealth management services.
according to the interpretation of the standard, it should be a capital investment and management plan developed, designed and sold by commercial banks for specific target customers based on the analysis and research of potential target customers. In the investment mode of wealth management products, banks only accept the authorization of customers to manage funds, and the investment income and risks are borne by customers or customers and banks according to the agreed way.
generally speaking, according to the types of expected income, we divide bank wealth management products into fixed income products and floating income products. In addition, according to the different investment methods and directions, we often hear and see new share subscription products, bank credit cooperative works, QDII products and structured products.