1. Are Zheshang Bank's wealth management products safe? Zheshang Bank is one of 12 joint-stock commercial banks in China. Although the circulation of wealth management products is small, the income is much higher than the market average. Investment and financial management are often accompanied by risks; It is estimated that no one dares to invest in risk-free financial products. Statistics show that the average expected annualized rate of return of Zheshang Bank's wealth management products in February was 6.07%, ranking first among large state-owned banks and joint-stock banks. After the central bank cut interest rates, many banks reduced the yield of wealth management products in March. At present, the yield of wealth management products of most banks has fallen below 5.5%, while the yield of many wealth management products of Zheshang Bank is still between 5.8% and 6%.
2. The latest wealth management product of Zheshang Bank: "Yongle Wealth Management" RMB wealth management product, product type: bonds, money market instruments, interbank deposits or the combination of the above products; Product income type: non-guaranteed floating income type, product risk level: low risk, applicable customers: conservative and above individual customers; Institutional customers, currency of investment and income: RMB, starting amount: individual customers: 50,000 yuan, the excess is increased by integer multiples of 1 10,000 yuan, institutional customers: 1 10,000 yuan, and the excess is increased by integer multiples of 1 10,000 yuan.
3. "Yue Yue Jinyong" RMB wealth management product, the product type is non-guaranteed floating income, and the product risk level is low, which is suitable for customers: conservative, steady, balanced, growth-oriented and enterprising individual customers. Generally speaking, Zheshang Bank is a large-scale bank in China, and its financial products are also very diverse. Although the number of large wealth management products of Zheshang Bank is not particularly large, the yield of wealth management products is relatively high, and the yield of wealth management products currently on sale is relatively stable. The purpose of deposit reserve is to ensure that commercial banks can have sufficient liquidity and protect the interests of depositors when bank deposits are suddenly withdrawn in large quantities. The deposit insurance system refers to the guarantee of 100% for deposits of 500,000 yuan or less, including Zheshang Bank, which can pay even if the bank goes bankrupt.
Zheshang Bank's financial management is mainly divided into three categories: fixed income, guaranteed floating income and non-guaranteed floating income. Bank guarantee, the first two items and funds, we can rest assured to buy; The most risky category is non-breakeven floating income.