Which of the four major banks will have the best financial management in 22? How much is the annualized income from bank financing? There are too many pits for investment and financial management, and those P2P platforms under the banner of high returns are frequently thundered, futures trading is "deep", and online fraud is endless. Many people have stepped on the pits of online financial management in recent years and found that banks are the safest, so they returned to the embrace of bank financial management. The four major banks of workers, peasants and China Construction are the four state-owned banks with the largest number of users, the largest number of outlets and the highest reputation in China, and they are also the most trusted banks around them. So, which of the four major banks will have the best financial management in 22? What is the annualized income of bank financing? Industrial and Commercial Bank of China < /p > Industrial and Commercial Bank of China, also known as "the first bank in the universe", is the first of the four state-owned banks. Now all banks' wealth management products can be purchased in mobile banking. When I open the wealth management column of ICBC's mobile banking, I find that there are many types of wealth management products, but the overall page is not concise enough. Most products of ICBC have a minimum purchase amount of 1,, 5, and 1,. ICBC's popular wealth management products include ICBC Smart Express, guaranteed capital and steady profit, personal profit increase, etc. The risk level is PR2, which belongs to low-risk products. There is no fixed term for the purchase of Lingtong Express. It is estimated that the annual income will be guaranteed and the profit will be stable for 35 days, and the minimum investment will be 35 days. It is estimated that the annual income will increase by 2%, and the minimum holding period will be 36 days. The financial management with the estimated yield risk level PR3 is more risky than the low-risk financial management of Lingtong Express. For example, personal high-net-worth customers are linked to the Shanghai and Shenzhen 3 Index, and the minimum investment is 91 days. Estimated annual interest rate < /p > CCB's wealth management can be roughly divided into non-net-worth products, net-worth products and CCB wealth management products. CCB's wealth management also has a purchase threshold, which is generally 1,, 5,, 1,, 5, and 1 million, of which 1, is more. Take the "Ganyuan" series of CCB's non-net-worth products as an example. The financing period of the "Ganyuan" series is generally less than one year, and the annualized rate is estimated to be around. The net worth products of CCB have no fixed term, and the estimated annualized rate is between. CCB's wealth management products are basically consignment products, and the estimated income of low-risk products is generally higher than 4% for medium-risk wealth management. Among them, CCB's wealth management Ruixin, which has the highest cumulative annualized rate of return, holds a minimum of 27 days to open the first phase as high as Bank of China. < /p > China Bank has many wealth management products starting from 1 yuan and starting from 1,, and the purchase threshold is lower than ICBC and CCB. There are not many wealth management products that BOC can see on its mobile banking, but they are not as dazzling as ICBC. The annualized income of wealth management products is between 2% and 5%, and the income is not high. However, many low-risk wealth management products purchased in 1 yuan and 1, yuan are annualized at more than 3%, which is better than ICBC's low-risk wealth management on the whole. Bank of China enjoys a daily purchase amount of 1 yuan, which can be redeemed quickly within 5, days. Its 7-day annualized rate of return is higher than that of ICBC's similar well-informed express line, and the income is higher than that of most money funds at present. < /p > Agricultural Bank of China < /p > There are six kinds of wealth management products in the wealth management supermarket of ABC's mobile banking: current, fixed, structured, foreign currency, agricultural bank wealth management and private placement, and the general income of other types of wealth management is not low except current, partial fixed and foreign currency. There are 8 wealth management products under the category of Agricultural Bank of China, with the initial purchase amount ranging from 1 yuan, 5, yuan and 1, yuan. The threshold is relatively low, but the estimated income is very good. The lowest Agricultural Bank of China is open every month, and the highest Agricultural Bank of China is selected. Although ICBC is the largest state-owned bank, the advantages of wealth management products are not great. CCB and ABC have rich wealth management types and good yields, so they can all choose. If you need to redeem flexible and low-risk financial management, you can consider BOC of China Bank to enjoy everyday. If you pursue high returns and can bear certain risks, you can choose higher-yield financial products from CCB and ABC. If you don't have much money, the financial products with lower threshold of China Bank and Agricultural Bank will suit you very well.