Why is the financial threshold of banks so high?

The operating cost of banks is very high, coupled with the restrictions of laws and regulations, at present, the wealth management products of commercial banks are the starting point of 5W, or even higher. If you think the starting point is high, I'll think of two ways for you. Buying wealth management products is basically to pursue stable income and low risk.

First, you can buy wealth management products on some well-done P2P platforms, such as lufax, Heng Chang Fortune, Jiuxin Assets, etc., which are very successful, with a low starting point of 100 yuan or 1000 yuan.

Second, you can also open a fund account in a securities company and ask them to recommend some principal guaranteed fund to you. The income is higher than that of bank financing, and the risk is small (there is no risk if the capital is guaranteed).

From brother securities company, Menqinger, hehe!