|Issuing bank:||China Minsheng Bank Co., Ltd.||Subscription currency:||Renminbi|
|Incremental unit:||10,000 Yuan||Issue date:||2018-01-12|
|From the beginning of the income:||2018-01-19||expiry date:||2018-05-25|
|Ways of obtaining income:||Not guaranteed||Object:||Money market, other|
|Distribution area:||National||product type:||Renminbi wealth management|
|Rate of return description:||Individual (direct bank): 5.30%|
|Investment range:||Money market instruments such as deposits, bond repurchases, capital lending, bonds, money market funds, bond funds, fund accounts with major investment directions for bonds, and asset management plans that meet regulatory requirements, 30-85%, and regulatory compliance The required debt assets, equity assets, other assets or asset portfolios are 15-70%. The above investment ratio can be floated within the range of [-15%, +15%].|
|Early termination conditions:||Financial products terminated early 1. During each investment cycle, the customer has no right to request the termination of the financial products of the period in advance before the expiration of the investment period for any reason; the bank has the right to unfavorable circumstances such as major adjustments in the relevant policies and violent fluctuations in the market. However, there is no obligation to terminate the financial products of this period in advance. 2. During the existence of the product, the customer has no right to terminate the wealth management product in advance for any reason. If there is, but is not limited to, the following circumstances, the bank has the right but not the obligation to terminate the wealth management product in advance according to its own reasonable judgment: (1) Major changes in national policies have affected the normal operation of this wealth management product. (2) The market yield rate fluctuates greatly and may or may not affect the investment income that the product can achieve. (3) Other banks believe that the financial products should be terminated in advance. 3. When the bank decides to terminate the wealth management products or a certain period of wealth management products in advance, it shall be publicized at least one working day before the early termination date, and shall be liquidated and distributed according to the following rules: (1) The bank will realize the realization of the investment assets of the wealth management products within two working days after the early termination date, and the investment assets of the wealth management products may not be in the aforementioned period in the event of major fluctuations in the market or other reasons not due to the bank. Within the realization of the bank, the bank can extend the monetization and income distribution period, and the bank will make an announcement. (2) The bank distributes the balance after liquidation based on the proportion of the share of the wealth management products held by the customer on the early termination date. (3) The bank will announce the progress of the liquidation work in a timely manner.|
|Raising planning conditions:||Proposed sales scale of 500 million|
|Purchase conditions:||Financial product collection and agreed purchase (1) The customer can purchase the wealth management products through the banking outlets, e-banking channels or other sales channels approved by the regulatory authorities during each collection period of the wealth management products. After the purchase is successful, the wealth management principal in the trading account is frozen. After the investment cycle successfully starts to calculate the financial income, the funds will be transferred from the trading account to the wealth management account on the day of the investment cycle financing income. (If the bank has the above behavior, it will be deemed that the bank confirms the customer's purchase success, otherwise the bank will refuse to apply for the customer. The bank accepts or rejects no need to issue any written vouchers to the customer, and begins to participate in the investment and obtain financial benefits on the date of the financial income. During the freezing period, the raised funds bear interest at the interest rate of the current deposit, and the interest generated during the freezing period does not participate in the investment of the wealth management products. (2) After the end of each fundraising period, the bank has the right but not the obligation to follow the principles of honesty and prudence according to the market, policies and regulations, and determine whether the corresponding investment cycle starts to calculate financial income. If it is not possible, the bank will make an announcement to the client within 3 working days after the end of the fundraising period, and the wealth management principal will not be transferred from the trading account to the wealth management account on the calculation date of the investment cycle, the customer can withdraw freely, and the interest is current. Deposit interest rate calculation. (3) Before the bank finally confirms, the customer's agreed purchase can be revoked, but the customer is not allowed to cancel the agreed purchase on the day of the end of the fundraising period. (4) See the customer's rights and interests for details of the customer's purchase process. Customers are not allowed to redeem their wealth management products in advance during the investment cycle.|
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