What are the main financial products in China at present?

Wealth management products are mainly divided into six aspects:

The first aspect is trust products. Trust products mainly invest in industrial and commercial enterprises, infrastructure, real estate and other active management types, most of which are government-guaranteed projects. Most trust products are basically invested in government-guaranteed projects, and it is relatively profitable and risky for investors to invest in such projects.

The second aspect is bank financing. Bank wealth management is a wealth management product issued by banks. What I'm talking about today is not bank savings as everyone understands. Bank savings is a demand product, which is different from bank financial investment. Cash products and demand products generally invest in standardized and relatively low-risk markets such as creditor's rights, public offerings and bonds (such as national debt). Because of the low yield of national debt, many people are willing to invest in other banks, and other banks will invest in asset management, trust, secondary market, bonds, funds and so on. The highest proportion of bank financial allocation is trust.

The third aspect is asset management. Asset management is mainly products issued by fund subsidiaries, and brokers, asset management and banks will also issue some asset management products. In order to meet the financing needs of equity pledge, CSRC has set up asset management products. Asset management is based on this background, which is different from trust products. Trust mainly invests in infrastructure, real estate and other aspects, while asset management first invested in equity pledge, and then gradually developed into a diversified category.

The fourth aspect is private placement. China Fund Industry Association divides private placement into four categories, namely private equity investment funds, private equity investment funds, private equity venture capital funds and others. Investment in private placement mainly depends on which of the four categories the investment belongs to, which can be seen through the license obtained by the fund manager. Private equity funds are characterized by high risks and high returns, so people who invest in private equity are people with relatively high risk preferences.

The fifth aspect is public offering. What's the difference between public offering and private offering? Private placement requires investors to be qualified investors. A qualified investor means that the investment amount is more than one million, the running water for three years must be more than 500,000, and you need to provide your running water bill for the first time to invest in a private equity fund. Public offering has no requirements for investors, and anyone can invest.

The sixth aspect is P2P. P2P belongs to the category of inclusive finance, and the introduction of regulatory opinions clearly restricts P2P investment, and it can only invest in enterprise products with small loans, requiring individuals to have less than 200,000 loanable assets and enterprises to have less than 6.5438+00,000 loanable assets.