1. Ping An Bank has a variety of wealth management products, each of which is different. According to whether the capital is guaranteed or not, it is divided into guaranteed and non-guaranteed wealth management products: guaranteed wealth management products are a kind of wealth management products with guaranteed capital, floating income and low risk; Non-guaranteed wealth management product is a kind of wealth management product with no guarantee of principal, floating income and low risk.
2. Trust and investment category: This category of products mainly includes real estate trust, financial leasing trust and infrastructure trust products. Real estate trust is the most common classification of trust products. Generally, the completed real estate or land will be mortgaged at a premium, and the sales income or rental income after the completion of the real estate will be regarded as the expected annualized income of the trust. The term of this kind of products is generally only one to two years now, which is risky. The term of financial leasing trust is generally less than 3 years, and the threshold is relatively low. The historical expected annualized rate of return is between real estate trust and infrastructure trust. The classification risk of infrastructure trust products is small, which is mainly used for local government infrastructure construction; This kind of trust has the characteristics of large capital demand, policy support or preferential treatment, low risk, stable expected annualized income and great market influence.
3. Bank financing and loans: Bank financing is relatively safe, and the specific risks depend on the product type. The main risks faced by bank wealth management products include market risk, credit risk, liquidity risk, inflation risk, management risk and force majeure risk. China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it still needs to be audited by the insurance company before repayment can be made.
4. Financial insurance can also be divided into dividend insurance, annuity insurance, investment-linked insurance and universal insurance.
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