Is there any risk in financing new customers? Here's the situation.

New customer financing is a financing method suitable for novice investors, which has the characteristics of high income, low risk and simple operation. New customer wealth management refers to the wealth management products launched by some financial institutions to customers who open accounts in their own institutions for the first time, and their expected income is generally higher to attract new customers. Is there any risk in financing new customers? Let's get to know each other.

Is there any risk in financing new customers?

Any wealth management product has certain risks, and new customer wealth management is no exception. However, the risk of new customer financing is relatively low, mainly in the following aspects:

1, institutional credit risk. The principal and interest security of new customer financing mainly depends on the issuer's credit status. If the issuer has operational difficulties or goes bankrupt, it may affect the payment of new customer financing. Therefore, when choosing new customers for financial management, we should pay attention to choosing financial institutions with strong strength, good reputation and strict supervision, and avoid choosing some small, unknown and non-compliant institutions.

2. Liquidity risk. The financing period of new customers is generally short, usually about one month, but it cannot be redeemed or transferred at any time during the period, and only the principal and interest can be recovered after the expiration. This means that if there is a demand for funds within the time limit, new customer wealth management products cannot be realized in time, which may cause financial difficulties or lose other investment opportunities.

3. Market risk. Although the rate of return on new customer financing is relatively high, it will also be affected by changes in market interest rates. If the market interest rate rises, the yield of new customers' wealth management will decrease relatively, and vice versa. Therefore, when choosing new customers for financial management, we should pay attention to comparing the yields of other similar products in the market and avoid buying products with low yields.

The advantage of new customers' financial management is that they can enjoy the rate of return higher than the market average, and generally have the promise of capital preservation or bottom guarantee, so the risk is low. The disadvantage of new customer financing is that it can only be purchased once, the amount is limited, the cycle is short, and you can't enjoy the discount repeatedly.