Wealth management products are divided into open and non-open types. Generally, open-ended wealth management products are highly liquid and can be redeemed at any time. Investors can operate through the financial platform. If it is a non-open term wealth management product, early redemption is not supported, and the system will automatically redeem the product when it expires. It is understood that most of the wealth management products issued by banks at present cannot be redeemed in advance. It is best to read the product trading rules clearly when buying, and choose the right one considering the demand for this fund. In some contracts of wealth management products, there will be a special clause that "early redemption of the principal cannot guarantee 100%", which means that investors will not only bear the risk of paying a large amount of early redemption fees, but also lose part of the principal. Investors should have a certain sense of crisis before investing, so as to avoid the situation that they need liquidity but cannot be redeemed or need to pay liquidated damages after investing.
Let's get back to the point. Generally speaking, the wealth management products we buy online include but are not limited to bank regular wealth management, bond funds, bank net worth products, online loan products and so on. For example, in the past, all kinds of bank wealth management, bond funds and net worth products were generally underwritten by banks or related fund institutions, and this part of the money will be supervised by banks, so there will be no situation that it cannot be redeemed at maturity, and at most there will be different rates of return after maturity, so we can withdraw the money into our bank card by subscription and redemption.
However, once the capital chain of the online loan company breaks, this part of the money cannot be redeemed even if it expires. Because for this company, there is no money on the books that can be redeemed to its users. This is the most fundamental problem.
If this happens, my suggestion is to sort out our purchase records and bank running water into evidence materials and report the case directly to the local public security organ. The public security organ will file a case for us and investigate the relevant institutions. If there is any subsequent payment or money that can be recovered, it can make up for our loss.
20 19 is the end of P2P online lending, and numerous online lending platforms have been stripped off. The current environment is not as good as before, and the lower deposit interest rate is the general trend. We must see the situation clearly and follow the trend.