Securities companies are more professional in financial management.
Securities companies are formal financial licensees and are qualified to issue wealth management products. Compared with bank financing, securities financing is less restricted, and there are many kinds of products, ranging from a few days to many years. There are also special arbitrage and investment in the stock market, so there are more choices. Moreover, securities companies are equipped with a large number of professional investment analysts, who can make more professional investment suggestions and asset allocation plans according to the changes in the financial market. In terms of professional ability, securities financing is more reliable.
Securities financing does not guarantee capital preservation and income.
Securities financing does not promise to protect capital and income. At this point, bank financing is the same. After the release of the new asset management regulations, all asset management products must break the rigid redemption, and it is normal for securities wealth management not to promise guaranteed returns.
In fact, investors can look at the plan of securities wealth management products and see what kinds of investments there are in the investment scope of the products. If the security of these investment products is high, the security of securities financing will be good. Generally speaking, most of the securities wealth management products that you come into contact with in Alipay and WeChat wealth management are not risky, which is probably the risk level of R2 to R3 bank wealth management products.
Summary: The issuer of securities financing has good professional ability and background strength. Although the product does not promise to protect the capital and income, the risk of fixed-income products issued by securities companies is not high.