The net unit value of wealth management products is: the net unit value of funds, which refers to the value of each fund on the same day. It is the net asset value of the fund divided by the total share of the fund to get the value of each share of the fund on that day. On each business day, the total assets of the fund are calculated according to the closing price of the securities market invested by the fund, and the net assets of the fund on that day are obtained after deducting the various costs and expenses of the fund on that day. Divided by the total number of fund units that occurred on the day of the fund, it is the net value of each fund unit.

Supplementary information:

1. Net worth wealth management products are basically similar to previous wealth management products in investment and operation. The biggest difference is that net worth products have no expected rate of return, but after the product expires, the customer's income is calculated according to the actual market investment quotation of the product. If it is open, it is calculated according to the market quotation of opening hours. In the past, banks could earn spread income from products, while net-worth products really returned all the investment income to customers, and banks only charged management fees as agreed in the contract.

2. Net worth wealth management products are non-guaranteed floating income wealth management products, and there is no expected income, and banks do not promise fixed income. Changes in the net value of products determine the gains or losses of investors.

Net worth wealth management products operate in a similar way to open-end funds. During the opening period, investors can purchase and redeem at any time, and the income of products is also directly related to the net value of products. Therefore, the calculation of subscription share, redemption amount and actual income of net worth wealth management products is similar to that of ordinary development funds, so it is necessary for investors to have a brief understanding first.

Extended data:

At the end of 1 and 20 14, the Banking Regulatory Bureau issued the Measures for the Supervision and Management of Financial Services of Commercial Banks (Draft for Comment), which fundamentally solved the problems of "implicit guarantee" and "rigid payment" in financial services, promoted the transformation of financial services to asset management services, and realized the standardized and healthy development of financial services.

2. Bank wealth management products are issued at the agreed rate of return, and the manager is rewarded with floating performance. This model is biased towards debt financing to earn spreads, and there is little difference between banks in this model. Nowadays, the competition between banks is becoming more and more fierce. In order to enhance the competitiveness of banks, bank financing needs to be transformed from improving its own asset allocation and trading strategy, in which structured products and net worth products are the two main directions of transformation.

3. Calculation of subscription share: subscription share = subscription amount ÷ net value of current financial unit share. For example, if an investor invests 50,000 yuan in net worth products, the net value of the current financial unit share is 1.02 yuan.

4. The actual subscription share of investors = 500001.02 = 49019.60 (excluding subscription and redemption fees). Note: The net share value of the current financial unit is usually at the end of (T- 1) and will be announced on the first bank day (t day) after the valuation date. The net share value of the financial plan in the initial issuance period is 1 yuan/share. Calculation of redemption amount: redemption amount = redemption share × net value of current financial unit share.