Five main types of bank financing

0 1 traditional installment financing products

At present, traditional installment financing is still the most common financing product for banks, which has basic elements such as raising period, fixed investment period and expected annualized rate of return.

1. Financing product collection period

Pay attention to the product collection period when purchasing secondary wealth management products: if you buy wealth management products during the product collection period, you can only get the current income before the product is established. The longer the raising period, the lower the average yield of investment and wealth management products. Investors can purchase daily wealth management according to their needs and purchase wealth management products before the product collection deadline.

2. Closed period of wealth management products

The closed period of wealth management products is the investment period of wealth management products. During the closed period of wealth management products, investors cannot redeem wealth management products. In order to improve the liquidity of products, many banks have developed the transfer function of wealth management products to achieve the purpose of early withdrawal by transferring wealth management to other investors.

3. Expected annualized rate of return

Some people often say that buying bank wealth management products is to look at the rate of return and close your eyes, mainly because the expected annualized rate of return is often the same as the actual rate of return. For this kind of wealth management products, the customer's investment income = investment principal * expected annualized rate of return /365* product period (the term expected annualized rate of return has been rarely used at present, and it is now changed to performance comparison benchmark).

02 Tian Tian Bank Wealth Management

Basically, every bank has such daily financial management, but the product names of each bank are different. With the development of products, there are two types of daily financial management in banks:

1, fixed income type

This kind of daily financial management has the same fixed rate of return as traditional installment financial management products, but it can be accessed every working day or even every natural day. We will adjust the product yield according to the market situation, subject to the announcement. When investors buy this kind of daily financial management, they can calculate the product income according to the rate of return and the investment period.

2. Income floating type

This is a net cash management tool, similar to a money fund. The difference is that the income of money fund is reflected by the 7-day annualized rate of return of products, while the income of net-worth daily financial management is directly reflected in the growth of net worth.

03 closed-end net worth financing

This kind of financial products evolved from the traditional time-based financial products. They also have a collection period and a product deadline. What is the difference? The performance benchmark rate of return is only the reference rate of return provided by banks based on past performance.

04 Open Net Wealth Management

Open net worth wealth management products are likely to be the main force of future bank wealth management products. This kind of product has no concept of collection period, and can only be purchased on the product open day. Investing in the purchase of open-ended net worth wealth management products is to confirm the product share according to the net value of the day, and the income depends on the growth of the net value.

05 pure debt net wealth management products

Many investors compare bank net worth wealth management products with bond funds, but ignore one important point: there are many types of bond funds, some of which invest in stocks; It is very important for bond funds to invest in standardized assets; Many bank net worth wealth management products invest in non-standardized assets, which is also different from pure debt bond funds.

The above is about the sharing of bank financial management types, and I give it to you, hoping to help you with your financial management!