According to the description of the investment target of Zhongyuan Bank's monthly happy cycle wealth management product, it can be seen that it is a fund product, and the description of the investment target is as follows.

This product mainly invests in the following financial assets and financial instruments that meet the regulatory requirements: bank deposits, interbank certificates of deposit, money market instruments, bonds issued in the interbank market and stock exchanges, money market funds, bond funds, bond pledged and buyout repo, asset-backed securities, convertible bonds, exchangeable bonds, asset management products such as Public Offering of Fund, trust plans and asset management plans with the above assets as the main investment scope, and other assets or asset management products that meet the regulatory requirements. The investment assets of this product are as follows: investment assets account for 80%- 100% of fixed-income assets and 0%-20% of other assets that meet regulatory requirements, among which, the proportion of treasury bonds, central bank bills and policy financial bonds with cash or maturity within one year is not less than 5%; The proportion of creditor's rights assets such as bank deposits and bonds, and Public Offering of Fund, trust plans and asset management plans based on creditor's rights assets shall not be less than 80% (if the above ratio limit is exceeded due to non-subjective factors of the manager, the manager will try his best to adjust the investment ratio of wealth management products to meet the relevant requirements within 65,438+05 trading days when the assets with limited liquidity can be sold, transferred or resumed); The lever level of this product shall not exceed 140%.

Zhongyuan Bank is a joint-stock commercial bank, established on February 26th, 20 14+65438, and headquartered in Zhengzhou. Mainly engaged in absorbing public deposits, issuing short-term, medium-term and long-term loans, handling domestic and overseas settlement, bank card business and other businesses approved by China Banking Regulatory Commission.