Is the financial risk of new customers big? Details are as follows.

New customer financing is a financial product of securities firms, which mainly aims at new customers and provides financial products with high annualized rate of return and short investment period. The basic asset of new customer financing is usually the income certificate issued by the securities firm, which has certain credit guarantee, but does not guarantee the principal and income. Is the financial risk of new customers big?

Is the financial risk of new customers big?

The risk level of new customers' wealth management is generally R 1 or R2, which is lower than other wealth management products, but it is not risk-free. If you want to buy a new wealth management product, it is recommended to clearly understand the investment scope, income fluctuation, redemption conditions and other information of the product, and make a reasonable plan according to your risk preference and capital demand. At the same time, you can also compare the new customer wealth management products of different brokers and choose the one that suits you.

The difference between new customer financing and bank financing

There are still some differences between new customer financing and bank financing in essence. The main differences are as follows:

1. New customer wealth management is a wealth management product issued by brokers for new customers, and bank wealth management is a wealth management product issued by banks for ordinary investors.

2. The basic assets of new customer financing are usually income certificates issued by securities firms, while the basic assets of bank financing are usually various bonds, deposits and non-standard assets.

3. The investment period of new customer financing is generally short, ranging from a few days to several months, while the investment period of bank financing is generally long, ranging from several months to several years.