Main trends of bank wealth management products

First, the gradual expansion of interbank financial products, mapping the original "silver-silver" cooperation model between foreign-funded institutions and Chinese commercial banks into the interbank financial management model between large domestic banks and small and medium-sized banks.

Secondly, the gradual attempt of portfolio insurance strategy, whether the product is stable or not, does not depend on whether to participate in the investment of high-risk assets, but on the rational allocation of investment portfolio.

Third, the number of dynamic management products is increasing gradually, and the flexible investment direction and portfolio and high liquidity are the main advantages of such products. However, the information transparency of such products is worthy of attention.

Fourthly, with the gradual prosperity of POP(Product of Product), different types of bank wealth management products can meet the investment needs of investors with different risk tolerance through combination construction.

Fifth, with the gradual rise of alternative investment, artworks and drinks (wine and tea) have gradually entered the investment horizon of bank wealth management products market, and the future low-carbon concept, real estate and natural resources investment will become the next hot spot.

Industry experts said that in the future, strengthening cooperation and complementary advantages between traditional financial banks and the Internet will become the main trend. P2P financial management such as Search Easy Loan combines the strict credit review mechanism and powerful data management mechanism of traditional banks with internet credit review technology, which not only makes financing services cover more small and micro enterprises, but also helps to reduce the financing costs of small and micro enterprises.