1. bonds are securities issued by debtors such as governments, enterprises and banks in accordance with legal procedures in order to raise funds and promise creditors to repay the principal and interest on a specified date. Bond/debenture is a kind of financial contract, which is a debt certificate issued to investors when the government, financial institutions and industrial and commercial enterprises directly borrow money from the society and promise to pay interest at a certain interest rate and repay the principal according to the agreed terms. The essence of a bond is a certificate of debt, which has legal effect. There is a creditor-debtor relationship between bond buyers or investors and issuers. Bond issuers are debtors and investors (bond buyers) are creditors. Bond is a valuable security.

2. Therefore, bonds have the following three meanings: 1. The issuer of bonds (government, financial institutions, enterprises and other institutions) is the borrower of funds. 2. Investors who buy bonds are lenders of funds. 3. The issuer (borrower) needs to repay the principal and interest within a certain period of time. Jin Chuang He Xin Money Market Fund is a money fund wealth management product issued by Jin Chuang He Xin Fund.

3. Investment strategy 1. Asset allocation strategy According to the market situation and the ability of investable products, the fund manager comprehensively considers the trend of market funds, the credit qualification of deposit banks, the credit rating of credit bonds, the yield level and liquidity characteristics of various assets, and determines the allocation ratio of various assets. 2. Leveraged investment strategy

4. The Fund compares the repurchase rate with the short-term bond yield and deposit interest rate, and on the basis of comprehensive analysis of the capital situation, judges whether there is room for spread arbitrage to decide whether to add leverage. 3. Investment strategy of bank deposits and certificates of deposit as important investment objects of the fund. For the investment in bank deposits and certificates of deposit, the Fund will analyze the expected rate of return of bond assets and bank deposits according to macroeconomic indicators, and formulate and adjust the investment ratio and deposit term of bank deposits and certificates of deposit.