Speaking of financial management, you can see it on the home page-bank choice.

1, current account

Jingdong Finance, like Alipay and WeChat, has a current account. However, there is only one product called Fuminbao. If you buy it for five years, the annualized rate of return is 4.8%. If you don't buy enough, you can enjoy a 4.7% return even if you take it out the next day. 50 yuan started.

The current accounts in Alipay and WeChat are money funds, similar to Yu 'ebao, and the income will fluctuate around 4%. For example, I bought Cathay Pacific Airlines at Alipay, which was still 4.2% when I bought it, and now it has dropped to 3.657%.

In addition to the relatively stable national debt and central bank bills, there are also relatively unstable local government short-term bonds and corporate bonds with relatively high credit ratings. Because of the "deleveraging" policy that began last year, local governments and highly indebted enterprises have been restrained, which is also one of the reasons for the recent decline in some cargo-based income.

Recently, in the case of declining revenue from other cargo bases, JD.COM Fumin Bao is as stable as Mount Tai by 4.7%. Why? Because I didn't buy bonds, the flow of funds was bank time deposits. The experience is not bad, it is worth buying.

However, the shortcomings must be told to everyone first. Behind this 4.7% income is capital preservation, with no interest. Although it has been bought for so long, it is still 4.7%, but the official said that it reserves the right to raise or lower it in the future, and we cherish it after buying it. Another inconvenience is that you need to deposit and withdraw money at one time like a bank deposit. If you save 50,000 yuan, you should withdraw all of it. If you only spend 40,000 yuan, you can put this 10000 yuan into it.

2. Time deposits and deposits

The term and deposit products in Jingdong Finance come from Zhongbang Bank, Blue Ocean Bank, Chouzhou Bank, Nanjing Bank and Minsheng Bank respectively. Minsheng Bank is a large joint-stock commercial bank, Nanjing Bank, Chouzhou Bank and Langfang Bank are city commercial banks, and everyone knows their roots. Zhongbang and Lanhaidu have never heard of it. What is this?

According to online data, Zhongbang is a private internet bank initiated by six private enterprises, focusing on small and medium-sized enterprises. Zhongbang, headquartered in Wuhan, is the first private bank in Hubei. Blue Ocean has a similar background and is the first private bank in Shandong.

The background of its establishment is that the state strongly supports the establishment of private banks, and the success of Zhongbang and Blue Ocean also borrows the east wind of policies. To this end, China also invited well-known state-owned enterprises such as Carving Brand and Zhijiang Liquor, which were prepared together at that time, saying that it was "to maintain the purity of private shareholders" and "only private enterprises can know the needs of private enterprises and better serve small and medium-sized enterprises".

Some people will worry that the background of many countries and the blue ocean is so "human" that there is not enough background and it is unstable. I think it's ok. After all, the establishment of a bank requires the approval of the China Banking Regulatory Commission with a registered capital of 2 billion. Let's look at it as a regular small bank. Have a good business foothold, climb the high branch of Internet financial management, and connect with JD.COM's large traffic. Funds should not worry. As long as the risk control on the asset side is stable enough, the future is still good.

Let's compare these regular periods:

In addition to time deposits, there are lower-risk deposits and structured deposits (part of the income below 4% is too attractive to compare). Structured deposits are similar to the previous bank's capital preservation and financial management. Structured deposits use more interest rate and exchange rate products than ordinary deposits, so the risks and benefits are higher, and the interest may fluctuate. But they are all guaranteed.

Generally speaking, among so many current accounts, fixed accounts and deposits, I think the current account with a yield of 4.7% is the most worth buying. The income is higher than that of the general cargo base, the liquidity is the same as that of the cargo base, but the risk is lower than that of the general cargo base.

The advantages of time deposits and deposits are not so obvious, but because small banks generally give higher interest and online processing is more convenient, it is still desirable. I hope JD.COM can enrich the types of cooperative banks, improve their grades and give us more cost-effective choices in the future.

|||| Besides Jingdong Finance, what other robust wealth management products are there?

Typical representative: fixed income wealth management products

Features: considerable income, safety and stability.

This way is more optimistic. The annualized income is about 10%, which is safe and flexible, and is suitable for friends with conservative financial management and stable preferences. For example, the unbounded wealth management platform, which is famous for its stability, has an investment threshold of 300- 100 yuan for fixed-income wealth management products and risk control of state-owned institutions, and there is no negative information for five years, which is suitable for small white wealth management. In addition, you can get a shopping card in JD.COM, 500 yuan for free through the exclusive registered investment of VIP. The activity will end at any time. You might as well try it: get 100 red envelope +500 JD.COM cards.

Ps: Only through this page can you get this reward.