YUN Bao has a very large influence among young users. Almost no one knows no one knows, and feels that the safest financial product under the sun is Ma Yunjia’s balance treasure, but he is skeptical of the bank. In recent years, the frequent occurrence of deposits disappearances and financial loss cases have made them think that banks are now big bullies, and that the bank’s product thresholds are too high and purchases are troublesome. I will not buy them anyway.
Bank finances are purchased by older people or people with more wealth. After all, the minimum purchase threshold is 50,000 yuan. They put most of the money in the bank and think that there is no safer place than the bank. Conversely, for such products as Yu-E Bao, it is not very safe. The Internet gives people a feeling that it is not very reliable.
Visible balance treasure and bank financing in different groups of people's image is completely different, then the two compared, in the end which is more secure? Financial 360 financial analysts believe thatBoth belong to financial products with lower risk levels and are relatively safe, but which one is more secure than the others, and they must be financially guaranteed and non-protected.
Banking finance is divided into five levels of risk. Level 1 is capital preservation financing, and levels 2-5 are non-principal-guaranteed. Most of the risk levels are level 2. The financial monitoring data show that the proportion of wealth management products with a risk level of 1 is 30.24%, that of level 2 wealth management products is 58.75%, that of level 3 wealth management products is 10.83%, and that of grade 4-5 wealth management products is 0.18%.
Level 1 financial products are capital-protected, so there will be no loss; while level 2 financial products are nominally not capital-protected, the probability of loss is close to zero, and structural wealth management, with floating gains, can achieve expected returns. The probability is as high as 99%, and the proportion of 1-2 wealth management products is close to 90%.
Level 3 wealth management products are moderately risky, with large fluctuations in earnings, and the principal may be at a loss, but the margin will not be too large. The risks of 4-5 wealth management products will be high, equivalent to equity funds and index funds, and you may acquire With high returns, there may also be large losses. Of course, most of these financial products are targeted at banks' high-net-worth customers or private banking customers, and ordinary people can't buy them.
In summary,90% of bank wealth management products are safe and reliable without any loss.
Let's talk about Yu Bao. The essence of Yu'e Bao is a money fund, which belongs to non-principal-guaranteed financial management. Therefore, it is possible that there is a loss. In the history of the world, there has been a loss of money funds, butIn the history of China, no money fund has ever lost money.
Yuen Bo This currency fund also has a risk rating, and its rating belongs to Level 1In other words, although it is nominally not protected, it is equivalent to capital preservation management.
In this way,The balance loan and bank risk management level 2 banks are at a risk level.
Taken together, the conclusion is that the following product risks increase sequentially:
Risk Banking Banking with Level 1 <Yue Bao and Banking Risk Level 2 Banking <Banking Risk with Level 3-5 Risk Level
Young people feel that it is not right for banks to have large financial risks, because most of the cases of loss are not bank self-managed wealth management products, but are funded by funds or other financial management; Older people or conservatives think that the balance of treasure is not safe and right, Because it basically does not have the possibility of loss.
Financial 360 financial analysts hope that everyone will not be confined to a financial product, and do not have prejudice to other wealth management products, but must learn asset planning and allocate funds to different financial products.
There are three kinds of safe and profitable financial management methods. Pay attention to 360 financial secrets and reply to the “flight” view.