There are a large number of loan products in China Bank's consumer finance, such as mortgage loan products, education products and decoration products.
In addition, BOC Consumer Finance also has two independent online lending platforms, namely BOC Consumer Wallet and Credit Easy Loan-Microfinance. Bank of China consumer wallet allows people to spend directly online and offline. Xinyi Loan-Microfinance can provide you with a cash loan of no more than 20,000 yuan.
Investment strategy of BOC consumption theme hybrid securities investment fund
Large-scale asset allocation strategy
The Fund adopts a combination of quantitative and qualitative methods to analyze the development trend of the macro-economy and the securities market, evaluate the systematic risks of the market and the expected returns and risks of various assets, and accordingly formulate and adjust the proportion of various assets such as stocks and bonds reasonably, so as to strive for a stable appreciation of the portfolio on the basis of maintaining a relatively stable overall risk level. In addition, the Fund will continue to conduct regular and irregular asset allocation risk monitoring and make corresponding adjustments in a timely manner.
Stock investment strategy
Based on the deep understanding of the development situation and future trend of the consumer industry, the Fund defines the consumer theme category as the big consumer industry, and divides it into the following three categories on the basis of the first-level industry classification of the China Securities Index Company: the first category is the main consumer industries in the first-level industry classification of the China Securities Index, including food and main products retail, household and personal products industry and food and beverage industry; The second category is optional consumer industries in the first-level industry classification of the CSI Index, including automobile and auto parts industry, durable consumer goods and clothing industry, consumer service industry, media industry and retail industry. At the same time, due to demographic changes, consumption structure upgrading and other factors, although some industries have not been classified as consumer industries by CSI index companies, their attributes have basically met the attributes of consumer industries, forming actual consumer demand and stimulating a series of related industries. The fund also classifies these companies into the category of big consumption, and defines them as other consumer industries, including financial real estate, medical health, information technology, telecommunications business and construction products, roads, railways, transportation infrastructure and so on, which have obvious consumption attributes in industrial industries. Generally speaking, the big consumption industries defined by the Fund include seven first-level industries (including industrial industries including only three third-level industries of building products, highways, railways and transportation infrastructure), 19 second-level industries and 39 third-level industries.
If the CSI Index Company adjusts or stops the industry classification, or the fund manager thinks that there is a more suitable classification standard for consumer industries, the fund manager has the right to adjust the definition method of large consumer industries after reporting to the China Securities Regulatory Commission for the record without changing the investment scope and investment strategy of the fund, and make a timely announcement. This matter does not need to be considered by the fund share holders' meeting.