At present, bank wealth management products are generally divided into two categories: net worth and non-net worth. Net wealth management products are non-guaranteed floating expected income products, and the profit and loss of the products are determined by the net value of the products. Non-net-worth products are mostly expected-income products, and the actual expected rate of return of such products after maturity is generally not much different from the expected rate of return, which has the nature of rigid redemption.
To sum up, all formal wealth management products purchased by banks are in danger of losing money, but products with a risk level within R3 have a small loss probability and a limited loss degree, and generally do not lose money. As for individual investors, they do not advocate buying high-risk or high-risk products such as portfolio, trust and private placement.
1, financial management, as the name implies, refers to the financial management. When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. It contains the following meanings: financial management is a lifetime wealth, not just to solve the problem of urgent need of money. Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage money. Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).
2. Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies. Bank financing, the financial products provided by commercial banks in China are generally certificates of deposit and asset management products. The funds sold by brokers or fund companies are not financial management. Financial management of securities companies generally includes securities income vouchers and asset management products. Insurance financing, insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care. Financing of investment companies generally includes trust funds, gold investment, jadeite, jewelry, diamonds and third-party financing. , which requires high initial capital and is suitable for high-end wealth managers. E-commerce financing, in 2 1 century, in addition to online outlets financing, you can also use financial search engines to search for financial products online, and then make multiple comparisons of risks and benefits before investing.