Non-principal-guaranteed floating income wealth management products mainly invest in trust plans and other assets or asset portfolios, wealth management plans, bank deposits, interbank deposits, government bonds, financial bonds, central bank bills, money market funds, bond funds, bank acceptance bills, corporate bonds with high credit ratings, corporate bonds, short-term financing bills, medium-term bills and other financial products. It has the characteristics of flexible purchase, rich term, moderate risk, high yield and strong liquidity. Investors can choose the corresponding investment varieties according to their own investment needs under the premise of relatively safe funds, so as to realize the preservation and appreciation of funds.

2. Currency

Renminbi.

3. Trading channels

Counter transactions and online banking transactions

4. Target customers

Balanced, enterprising and growing customers with moderate liquidity requirements and pursuing higher returns.

5. Product advantages

1, rich duration: the duration is generally 1 month-1 year.

2. The expected rate of return is high: it is higher than the interest rate of demand time deposit in the same period. As the investment assets are mainly financing assets, the rate of return is relatively stable.

3. Low investment cost: no subscription fee.

Step 6: Process

Investors can go to business outlets or log in to online banks with debit cards or current accounts, sign the General Agreement on Financial Products of China Bank and conduct risk assessment before purchasing. The first risk assessment should be completed at the counter.

7. Risk warning

For customers, it is a medium-risk product with low probability of principal loss, but the expected income is uncertain.

This product mainly invests in credit assets, and the interest rate of investment assets is relatively stable. Compared with bonds, central bank bills and other investment tools, the market risk is small, mainly facing credit risk. However, compared with the loans issued by banks, the investment standards of this product are more stringent, and the credit assets invested are excellent assets, so the risk of default at maturity is very low.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.