1 Call the service number published by the bank official website;
2. Call 12378 Bank Insurance Consumer Complaint and Rights Protection Hotline;
Send the written materials to the local branch office of banking insurance supervision.
Bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customer groups on the basis of analysis and research on potential target customer groups.
In the investment mode of wealth management products, banks only accept the funds entrusted by customers, and the investment income and risks are borne by customers or both customers and banks in an agreed way.
Main types
money
According to different currencies, wealth management products are divided into RMB wealth management products and foreign currency wealth management products.
1. RMB wealth management products
Bank RMB financial management refers to a low-risk financial management product that banks issue to individual customers based on the investment income of RMB bonds with high credit rating (including government bonds, financial bonds, central bank bills and other bonds) and pay the principal and income to customers at maturity.
High yield and strong security are the main characteristics of RMB financial management. RMB wealth management products launched by banks can be roughly divided into two categories.
(1) Traditional products mainly include funds, bonds and financial securities. This kind of product has low risk and a certain income, and the general income is about 3%.
(2) RMB structured deposits are linked to the exchange rate, which is essentially similar to similar foreign currency products, and the risk is slightly higher than that of traditional products.
2. Foreign currency wealth management products
(1) On March 17, 2008, China Everbright Bank launched high-yield foreign currency wealth management plan A products, including one-year fixed-income products in US dollars, with an expected annual yield of 7.2%;
One-year fixed income products in Hong Kong dollars, with an expected annual rate of return of 6.5%; The expected annual rate of return of one-year fixed-income products in US dollars is more attractive than that of bank deposits.
(2) ABN Amro has launched two new wealth management products, namely "multi-currency index" linked to structured deposits and "a basket of strong currencies linked to structured deposits".
(3) Huiying No.3, a three-month wealth management product of "Golden Sunflower" launched by China Merchants Bank, has an expected annual rate of return of 5.0%.
(4) Everbright Bank's T-plan wealth management product with guaranteed income has been sought after by the market since its launch. The products launched range from eight days, one month, two months to four months, and the expected annual income is 3.3%, 5. 1%, 5.4% and 6.2% respectively.