The financial products in the country's four major banks are generally divided into those varieties, how long the period of time, the amount of money starting price is how much, the interest rate is g

The financial products in the country's four major banks are generally divided into those varieties, how long the period of time, the amount of money starting price is how much, the interest rate is generally how much (annual interest rate) I. Currency types:

1. Renminbi wealth management products

Banks Renminbi wealth management refers to the bank to high credit rating Renminbi bonds (including treasury bonds, financial bonds, central bank bills, other bonds, etc.) investment income as a guarantee for individual customers issued, due to the customer to pay the principal and earnings of the low-risk financial products. High yield and strong security are the main features of RMB financial management. RMB financial products launched by banks can be broadly categorized into two types.

(1) Traditional products mainly include funds, bonds and financial securities, etc. Such products are low-risk and have certainty of returns, generally around 3%.

(2) Renminbi structured deposits This type of product is linked to the exchange rate, and foreign currency similar products from the essence of not much difference, the risk is slightly higher than the traditional products. This is more like a substitute for "regular savings" in RMB financial products.

2. Foreign currency financial products

In 2008, the stock market fluctuated greatly, and "capital preservation and appreciation" has gradually become the new trend of financial management. In this context, major banks have launched foreign currency wealth management products to avoid short-term stock market risk.

From the point of view of the bank's foreign currency wealth management products, "multi-currency", "high interest", "short-term" has become the hottest publicity words.

Two, guaranteed return financial products

Guaranteed return financial products refers to the commercial banks in accordance with the agreed conditions to the customer commitment to pay a fixed income, the bank to bear the resulting investment risk or the bank in accordance with the agreed conditions to the customer commitment to pay the minimum income and bear the related risk, other investment income by the bank and the customer in accordance with the contractual agreement to allocate, and *** with the investment risk. The financial products that bear the related investment risks.

Guaranteed-return financial products include fixed-return financial products and floating-return financial products with a minimum return. The former has a fixed return on maturity, for example, 6%; while the latter has a minimum return on maturity, for example, 2%, with the remainder depending on the final return on management and the specific terms of the agreement.

Three, non-guaranteed return financial

Non-guaranteed return financial management can be further divided into capital-protected floating return financial products and non-capital-protected floating return financial products.

1, capital guaranteed floating income financial products refers to commercial banks in accordance with the agreed conditions to customers to ensure the payment of principal, the principal other than the investment risk borne by the customer, and based on the actual investment income to determine the customer's actual income financial products.

2. Non-principal-protected floating-income financial products refer to those financial products in which commercial banks guarantee the payment of income to customers according to the agreed terms and conditions and the actual investment income, and do not guarantee the safety of customers' principal. The issuers of non-guaranteed return financial products do not promise that the financial products will definitely achieve positive returns, and there is a possibility that the returns may be zero, and the non-principal-protected products may even have negative returns.

Four, the investment field of financial products

Based on the investment field of different bank financial products have different areas of investment, according to which financial products can be broadly categorized into bond-type, trust-type, linked-type and QD Ⅱ type products.

1. Bond-type financial products refer to the bank will invest funds mainly in the money market, generally invested in central bank bills and corporate short-term financing bills. Because central bank bills and corporate short-term financing bonds cannot be invested in directly by individuals, this type of RMB financial product actually provides customers with the opportunity to share the investment returns of the money market.

In these products, an individual investor and the bank have to sign a financial contract for repayment of capital and interest on maturity, and hand over the funds in the form of deposits to the bank for operation, after which the bank pools the collected funds to carry out investment activities.

The main objects of investment include short-term treasury bonds, financial bonds, central bank bills and agreement deposits and other short-term, low-risk financial instruments. On the interest payment date, the bank returns the earnings to the investors; on the principal repayment date, the bank repays the principal of individual investors in full.

2. Trust-type financial products

Trust companies through cooperation with banks, the bank issued RMB financial products, the funds raised by the trust company is responsible for the investment, mainly invested in commercial banks or other financial institutions with high credit rating guarantee or repurchase of trust products, but also invested in the commercial banks of the good credit assets beneficiary rights trust products.

3. Linked financial products

Linked financial products, also known as structured products, have their principal invested in traditional bonds, while the final return of the product is linked to the performance of the relevant market or product. Some products are linked to interest rate bands, some to the exchange rate of the U.S. dollar or other freely convertible currencies, some to commodity prices mainly in terms of international commodity prices, and some to stock indices.

4. QD II type financial products

Simply put, it is the investor will be in the hands of the RMB funds entrusted to the regulator certified commercial banks, the bank will be converted into U.S. dollars, directly invested in foreign countries, after the maturity of the U.S. dollar earnings and the principal remittance of the RMB and then distributed to the investor's financial products.

While bank wealth management are expected to have the highest rate of return, there is undeniable uncertainty in the realization of the rate of return. At the same time, different products have different investment directions, and different financial markets also determine the size of the risk of the product itself. Therefore, investors in the choice of a bank financial products, must have a comprehensive understanding of it, and then make their own judgment.