Microfinance refers to the financial management method of small investment. The general investment amount is between several hundred and several thousand, and the threshold is very low. Common microfinance products are:
1, a bank wealth management product, can be redeemed at any time, with low investment threshold and low risk. Some T+0 is received and some T+ 1 is received. For example, China Merchants Bank's Chaochaoying No.2 wealth management product can be purchased at 0.0 1 yuan, CCB Credit Suisse's fixed-income products can be purchased for at least 7 days, and Hengying and Rikai products are all purchased at 1 yuan.
2. Money funds, such as Yu 'ebao and Coin Pass, are all money funds with high flexibility and can deposit and withdraw money at any time, and the threshold is relatively low. It can deposit 0.0 1 yuan, and can also be directly used for payment and consumption, which is more suitable for small and micro financial management.
3. National debt is a bond issued on the basis of national credit, which is basically risk-free, with relatively stable income, low threshold, and the lowest starting price is 100 yuan.
4. The reverse repurchase of national debt is essentially a short-term loan. Individuals obtain fixed interest income by lending their own funds through the national debt repurchase market, and return the principal and interest at maturity. The term is short, starting from 1 1,000 yuan and increasing by integer multiples of 1 1,000.
5. Interbank certificates of deposit refer to time deposit certificates issued by deposit-taking financial institutions in the inter-bank market, which have low risk and can be withdrawn after the funds are deposited for more than 7 days. For example, ICBC Wealth Management issued interbank deposit certificates of 1 yuan for purchase, and BOC Wealth Management even had products of 0.0 1 yuan for purchase.
Small funds should pay attention to controlling costs to avoid losing profits due to high transaction costs. When buying short-term wealth management products, investors should look at several platforms, compare their expected interest rates and costs, and try to choose a platform with higher interest rates and lower costs.