How to invest in stocks in bank financing

Compared with fund and stock investment, bank financing has always appeared in front of investors with a low-risk attitude. Since the promulgation of the "Guidelines for Securities Account Business of Special Institutions and Products", it was directly announced that bank wealth management was allowed to directly open stock accounts in accordance with the requirements of the new asset management regulations, and many people who are keen on bank wealth management began to worry. So, how does bank finance invest in stocks?

How does bank finance invest in stocks?

According to the new regulations, the trustee needs a copy of the client's valid identity certificate to open an account. If the entrusting party is a legally established product, the valid identification document is a copy of the filing certificate issued by the relevant supervision and management institution for the entrusting party's product, or a copy of the product establishment certificate such as the entrusted product contract (the official seal of the entrusting party's product manager is required).

Before the promulgation of the new regulations, although private wealth management products can invest in the stock market, because wealth management products are not allowed to open accounts, this part of the funds can only be introduced into the stock market through outsourcing, FOF and other nested ways. After the new regulations, wealth management products can directly enter the market as independent investors, making the operation more convenient.

Compared with the previous statement that "the securities account of bank wealth management products opened in your company is limited to investing in fixed-income products such as standardized bonds, credit asset-backed securities and preferred shares of stock exchanges", it is not difficult to see that the scope of wealth management investment of commercial banks has been relaxed, and there is basically no obstacle to directly investing in equity products such as stocks and listed funds.

In fact, most investors who choose bank financing are interested in slightly higher returns than banks and lower risks than investment methods such as stock market and funds. Generally speaking, the stock market has been in a bear market for too long, and the government, enterprises and investors all hope that the stock market can get out of the downturn as soon as possible. Social security funds and pension funds have entered the market one after another, which also reflects the government's willingness to boost the stock market.