1. Is Longjiang Bank's financial management safe? Longjiang Bank's wealth management products are unsecured floating income. From the analysis of the security of principal, the security of principal is higher when investing in financial instruments with higher security. From the security analysis of income, although the income of products is floating, it is usually paid by the reputation of Longjiang Bank, which can be paid according to the expected rate of return, so the security of income is also very high.
2. Is Longjiang Bank a regular bank? Longjiang Bank is a regular bank. Longjiang Bank is a joint-stock commercial bank approved by China Banking Regulatory Commission on June 27th, 2009. Longjiang Bank was merged and reorganized on the basis of Qiqihar City Commercial Bank, Mudanjiang City Commercial Bank, Daqing City Commercial Bank and qitaihe city City Credit Cooperative. Longjiang Bank takes agricultural industrial finance as its core and provides comprehensive financial services for local economic development.
3. How to check the balance of Longjiang bank card online? Longjiang bank card balance inquiry method guide: ①ATM inquiry: cardholders can choose the bank's ATM to inquire their bank card balance. ② Online Banking Inquiry: If the cardholder has enabled the online banking function of his bank card, he can directly log in to the personal online banking website of Longjiang Bank to inquire about the balance. ③ Business outlet inquiry: Cardholders can bring their valid identity documents and bank cards to the local Longjiang Bank business outlets to inquire about the balance. ④ Telephone inquiry: Cardholders can call Longjiang Bank customer service hotline for balance inquiry.
4. Is the wealth management sold in the bank risky? Yes, wealth management products have certain risks, and they are not products with guaranteed capital and guaranteed income. It is possible to lose the principal, and the loss shall be borne by the investor himself. Investors with low risk tolerance can choose products with risk level R2 or below, investors with high risk tolerance can choose products with risk level R3 or above, and investors can also choose wealth management products from the aspects of expected income and investment period. It should be noted that closed-end financial management cannot be withdrawn before it expires. Investors who invest in closed-end financial management should pay attention to the legal risks of capital planning policy: this financial management product is designed for the current relevant laws and policies. If the national macro-policies and market-related laws and policies change, it may affect the normal acceptance, investment and repayment of wealth management products, and even lead to the reduction of income or even the loss of principal of wealth management products. If the wealth management products cannot be established or terminated in advance due to laws, regulations or policies, the wealth management products cannot be established or terminated in advance accordingly.
5. Delay risk: If the wealth management products cannot repay the principal and interest on time due to the realization of the investment portfolio under the wealth management products, the wealth management period will be extended accordingly.
6. Liquidity risk: This product is a closed-end wealth management product, and investors cannot redeem the wealth management funds before the product expires or terminates.
7. Reinvestment risk: the risk that the reinvestment interest rate of principal and interest will decrease due to the decrease of market interest rate after the end or early termination of wealth management products.