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How to look at the bank wealth management product manual?

Edit: Rong 360 finishing Source: Rong 360 Date: 2014-03-24

Summary:

Bank financing product disputes have occurred frequently in recent years, which has something to do with investors blindly believing in banks and not carefully studying bank wealth management product specifications. It is an important step to read the instructions for bank wealth management products. Here are some tips on how to read bank wealth management products.
  
 
Bank financing product disputes have occurred frequently in recent years, which has something to do with investors blindly believing in banks and not carefully studying bank wealth management product specifications. It is an important step to read the instructions for bank wealth management products. Here is how to read the instructions for bank wealth management products.

See if it is a bank wealth management product

Even if the products sold by bank staff are not necessarily bank wealth management products, investors must see if there is a bank seal in the purchase contract or agreement. If the product is sold by the bank, it is not difficult to check the risk of the bank, and the bank will not bear any responsibility if the principal and interest cannot be redeemed.

  See the term of wealth management products

Looking at the term of the wealth management product depends not only on the profit period of the product, but also on the following points. First of all, look at the funds between the customer subscription date and the product establishment date. Second, look at the date of receipt of funds. The capital arrival date refers to the time between the expiration date of the product or the early termination of the funds until the funds reach the individual account of the investor. During this time, the funds are not interest-bearing. Finally, see if the product is subject to the terms of the termination clause and whether there are provisions for early redemption.

  See if wealth management products are guaranteed

Non-guaranteed wealth management products include partnership private equity funds, as well as wealth management products in the areas of investment stocks and funds.

The principal-guaranteed wealth management products are further divided into two categories, one is the capital preservation products in fixed-income wealth management products, and such wealth management products are among the lowest risk among all wealth management products; and one type of capital-guaranteed products is structural wealth management products, usually linked The performance of commodities, exchange rates and even stocks.

See the specific investment of wealth management products

The investment direction is a matter of careful attention when purchasing a wealth management product, because the investment direction determines the size of a product's risk and the probability of achieving the expected rate of return. According to the direction of investment, wealth management products can be roughly divided into four categories: trading, trust, structure, and overseas investment.
 
  Look at the risk of financial products

Each bank wealth management product is often exposed to risks such as credit risk, interest rate risk, policy risk, management risk, and delay risk. In the financial product manual, the risk level of the product will be indicated. Now investors must conduct risk assessment before purchasing wealth management products. Investors should try to choose financial products that are relative to their risk preferences. If they purchase insurance products with super risk, then Need to sign a super-risk investment book.

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