First, the bank management of the five major banks
1. China Industrial and Commercial Bank is the largest state-owned commercial bank in China, and its mainstream wealth management products are Smart Express and ICBC Wealth exclusive series. The investment threshold is generally 50,000, and the yield is similar to that of 50,000 deposit wealth management products of other banks.
2. China Construction Bank is one of the five state-owned commercial banks, and its mainstream products are non-guaranteed dry yuan series. The regional differences are small, the investment threshold is at least 50,000 yuan, and the rate of return is relatively high.
3. The full name of China Bank is China Bank Co., Ltd. There are many kinds of wealth management products of China Bank. The investment threshold is generally 50,000 yuan, 6.5438+10,000 yuan and 300,000 yuan, and the rate of return is moderate. Investors who pursue high returns are not suitable for this kind of wealth management products.
4. China Agricultural Bank's wealth management products mainly include Anxindeli, Benlifeng, Huilifeng and Anxin Express. Suitable for stable investors who have little demand for liquidity, because their rate of return is not high.
Second, the bank financial matters needing attention
1, risk and reward should be balanced.
In recent years, with the stimulation of people's financial awareness, many financial institutions have launched financial products to attract people's idle funds. However, due to the lack of knowledge and skills, high expectations and low risk awareness, personal financial investment did not achieve the expected benefits, resulting in unsatisfactory financial management results. Therefore, when we invest in personal financial management, we should keep the balance between risk and income, so as to reduce the risk of financial management investment and obtain ideal income.
2. Bank financing does not mean that the return on capital will be higher and higher.
As the saying goes, the higher the risk, the greater the income, and the higher the income, the greater the risk. In the financial market, there will be no product with high income and no risk. Therefore, bank financing is also risky. When conducting personal financial management, don't just look at the benefits and don't consider the risks. In addition to paying attention to the rate of return, we should also clearly recognize the hidden risks of the selected wealth management products.
3. Choose the right financial products.
Personal financial investment must be used reasonably according to its own risk tolerance, market judgment level and fund allocation. If you have limited energy, are unfamiliar with the financial market, have a low level of market judgment, and do not know enough knowledge, you can rely on the professional financial planning of the bank, and you can protect your assets and get a better return on funds on the premise of taking on finite risk.