BankFinancial managementIs the commercial bank in the potential target customer base analysis based on the specific target customer base for the development and design of the investment and management of financial investment plans. We generally say "Bank financial products"In fact, refers to the bank's personal business in the comprehensive financial services.
in the bankFinancial product, The bank only accept the customer's authorized management funds, investment income and risk by the customer or the customer and the bank in accordance with the agreed manner.
Bank financial products have the following categories of classification:
According to the type of expected income, divided into fixed income products, floating income products two categories;
According to the different financial products, including RMB financial products and foreign currency financial products two categories;
According to the different areas of investment banking financial products have different areas of investment, accordingly, financial products can be divided into bond type, trust type, hook type and QD
Type II products
Bank financial products have the following elements:
That is, financial products sellers, the current general is the development of financial products, financial institutions. Investors should generally pay attention to the issuer's R & D, investment management strength. Strong financial institutions issued by the financial products more reliable. In addition, some investment channels are eligible to limit, small financial institutions may not be eligible to participate in these investments, so that the issuer caused the direction of investment restrictions, and ultimately will affect the financial products yield, therefore, the strength of the institutions Credit is more reliable.
That is, bank financial products investors. Some financial products are not for all the public, but for targeted subscription groups launched.
Any financial products will be issued at the time of a period of time. At present, most of the financial products issued by banks are relatively short, but there are also foreign banks launched a period of 5 to 6 years of financial products. So investors should be aware of the adequacy of their own funds and the investment period of possible liquidity needs in order to avoid the inconvenience caused by this.
When investing in long-term financial products, investors also need to focus on macroeconomic trends, interest rates and other indicators have a general judgment, to avoid fluctuations in interest rates caused by fluctuations or financial liquidity difficulties.
4. price and income
Price is the core element of financial products. The purpose of the financier's sale of the financial product is to obtain the equivalent of the price of the product, and the investor's investment is exactly the same as the price of the financial product it purchases.
For financial products, the price is related to the subscription, management and other costs and the investment opportunity cost (which may be interest income or other investment income).
Investors invest in the product for the purpose of obtaining equal or higher than the price of the proceeds.
The yield represents the percentage of the product's income to the investor. It is in the investment management period after the end of the product in accordance with the original terms of the calculated yield.
In an effective financial market, the risks and benefits are always equal, and only the corresponding risk is allowed to get the corresponding benefits. In the actual operation, the financial market is not always effective or not always effective.
Due to the existence of information asymmetry and other factors, the market may be low-risk high-yield, high-risk low-yield possible. So investors should be a detailed understanding of the financial structure of the risk structure of the product, so as to make judgments and assessment to see if it is with the income to match.
Liquidity refers to the liquidity of assets, which is a contradiction with the yield, which is why some economists define interest as a "liquidity price".
Under the same conditions, the better liquidity, the lower the yield, so investors need to make a trade-off between the two.
7. Other rights nested in financial products
The current financial products, especially in some structured financial products, often embedded in options such as financial derivatives. For example, investors can redeem the terms in advance, and early redemption is a right (though not necessarily the best option); the bank's early termination of power is in favor of the terms of the bank.
Therefore, investors choose financial products should be fully explored in the information, and make full use of this right.