How about buying Zheshang Bank's wealth management products? Is it safe?
It is safe to buy Zheshang Bank's wealth management products.
Judging whether a bank's financial management is safe depends on the bank's operating performance, which is related to the safety of financial products. In the first half of 20 19, the operating income and net profit attributable to shareholders of Zheshang Bank were 22.574 billion yuan and 7.528 billion yuan respectively, up by 2 1.39% and 16.07% respectively.
At the end of June, 2065438+2009, the total assets were 1.74 trillion yuan, up by 5.50% compared with the end of last year, of which the total loans and advances from customers were 932.7 billion yuan, up by 7.80%. The NPL ratio was 1.37%, the provision coverage ratio was 239.92%, and the asset quality remained excellent. Capital adequacy ratio 13.32%, and core tier-one capital adequacy ratio is 8.52%.
On the list of "Top 20 World Banks1000" published by Banker magazine, Tier 1 capital ranked 107, and total assets ranked 98th. China Chengxin International gave Zheshang Bank the highest AAA credit rating among financial institutions.
Generally speaking, Zheshang Bank has a good performance, and its wealth management products are also worth buying.
Zheshang Bank is a joint-stock bank, and its wealth management products have different risks according to their income. As a state-approved commercial bank, its wealth management products are relatively safe. The risk of Zheshang Bank's wealth management products is determined according to the risk degree of the wealth management products purchased.
Zheshang Bank belongs to AAA main credit rating and is at an advanced level among similar banks. At present, Zheshang Bank has established (planned to establish) more than 138 institutions in Beijing, Tianjin, Liaoning, Shanghai, Jiangsu, Shandong, Guangdong, Chongqing, Sichuan, Shaanxi, Gansu and Zhejiang provinces and cities.
The financial services of Zheshang Bank are divided into financial advisory services and comprehensive financial services according to different management and operation modes. Generally speaking, "bank wealth management products" actually refer to comprehensive wealth management services.
In an effective financial market, risks and benefits are always equal, and only by taking corresponding risks can we get corresponding benefits. In practice, financial markets are not always efficient or always efficient. Due to the existence of information asymmetry and other factors, there may be the possibility of low risk and high return, high risk and low return in the market.
Precautions:
1. When purchasing wealth management products, the so-called expected rate of return is an expression of the floating income of fixed-income wealth management products. It refers to the level of income of the purchased wealth management products when they expire in the future, not an exact value. There are risk variables in the middle. Pay attention to this.
2. A complete investment cycle of wealth management products includes sales period, operation period and income period. In the investment process of a complete wealth management product, it will be impossible to calculate the wealth management income according to the expected rate of return for several days. Investors will also face the problem of whether the next product can be docked after the financial management expires. If there is no suitable product connection, there will be another waiting period, resulting in a decrease in revenue.