The personal financial service of Nanjing Bank is based on the position of "citizen bank" to improve the quality of urban financial life. Relying on the advantages of capital business, we will create "zero loss" and "golden plum blossom" financial management. Relying on the "Financial Easy Gold Card", help high-end customers realize the realization of wealth. With the help of the experience and model of BNP Paribas, we have developed consumer credit products such as "Easy Credit", "Easy Housing Loan", "Easy House Loan" and "Easy Credit", and the operating personal loan product "Easy Business Loan".
Bank of Nanjing's "Golden Plum" wealth management products are local and foreign currency wealth management products for individual customers. In particular, the customer entrusts the corresponding local and foreign currency funds to our bank according to the terms and conditions of the Jin Meihua wealth management product format contract designed by our bank. On the premise of ensuring diligence, Nanjing Bank manages and operates its clients' funds with the help of financial investment tools with rich experience in domestic and foreign financial markets. A collective personal finance business aimed at improving the expected annualized rate of return of clients' funds.
Bank of Nanjing's wealth management products are all non-guaranteed floating expected annualized expected returns, and the investment targets are high-liquidity assets such as bonds and money market financial instruments, as well as creditor's rights assets that meet regulatory requirements. Highly liquid assets include government bonds, central bank bills, financial bonds, corporate bonds with a credit rating of not less than AA-, and money market financial instruments such as interbank deposits, repurchase, interbank lending and money market funds. Creditor's rights assets include asset management plans with fixed expected annualized expected returns that meet regulatory requirements, creditor's rights investment projects entrusted by financial property rights exchanges, and creditor's rights trust plans.
How to talk about a wealth management product depends not only on the expected annualized expected return, but also on the risk. The wealth management products of Nanjing Bank mainly have the following risks: expected annualized income risk, market risk, liquidity risk, policy risk, information transmission risk, failure risk of wealth management products, early termination risk, deferred payment risk, force majeure risk and unfavorable investment situation. Investors should fully consider their risk tolerance before choosing bank wealth management products, and don't blindly follow suit!