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How to look at the bank financial product brochures?

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

Summary:

Bank financial products in recent years, frequent disputes, which investors blindly believe that banks do not carefully study the bank financial products have a certain relationship. Read the instructions of the bank financial products is a very important step, the following to teach you how to read the bank financial products
  
 
  Bank financial productsDisputes have occurred frequently in recent years, which blindly believe the bank with investors, not carefully studying the bankFinancial productThere is a certain relationship between the instructions. Read the bankFinancial managementProduct brochures is a very important step, the following to teach you how to read the bank financial products brochures.

To see if it is a bank financial product

Even if the bank staff sales of products is not necessarily the bank financial products, investors must see whether the purchase contract or agreement on the bank's official seal. If the bank consignment of the product, it did not pass the risk of bank screening difficult, and once the redemption of principal and interest, the bank will not bear any responsibility.

  Look at the duration of financial products

Look at the duration of financial products not only depends on the product's profit period, but also focus on the following points. First, look at the customer subscription date to the date of the establishment of the funds with or without interest. Second, look at the funds to the account day. Funds credited to the account is the expiration date of the product or after the termination of the funds arrived in the individual account of the time between investors, this time the funds are not interest. Finally, see if the product is subject to termination terms and whether there is any provision for early redemption.

  Whether the financial products to protect the capital

Non-guaranteed financial products include partnership private equity funds, as well as investment in stocks, funds and other areas of financial products.

Guaranteed financial products are divided into two categories, one is fixed income financial products in the preservation of products, such financial products are the lowest risk of all financial products; there is a class of insurance products is structured financial products, usually linked Commodity, exchange rate and even stock performance.

Look at the specific investment in financial products

Investment direction is to buy a financial products to be careful attention to the problem, because the investment direction to determine the size of a product risk and expected rate of return to achieve the size of the probability. According to the direction of investment points, financial products can be divided into four categories: trading, trust, structure, overseas investment class.
 
  See the size of financial products risk

Each bank financial products usually face credit risk, interest rate risk, policy risk, management risk, deferred risk and so on. In the financial product brochures will indicate the risk level of the product, investors need to buy financial products before the risk assessment, investors should try to choose their own risk appetite and other relative financial products, if the ultra-risk to buy financial products, then Need to sign a super risk investment book.

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