It's very simple, each takes what he needs.
The interest rate of savings deposits is getting lower and lower, so time deposits for young people are needless to say, and the term of time deposits is relatively simple.
Wealth management products are different, with different starting points, deadlines and benefits, which can meet the needs of different audiences. For the same amount, buying wealth management products for half a year is definitely higher than saving them for half a year. What should I buy without buying wealth management?
After all, a bank is an enterprise, which aims at making profits. Bank employees also have indicators, tasks and daily needs. Therefore, it is right to recommend wealth management products to customers in need to earn some money, whether from the perspective of banks or from the perspective of bank employees.
Buying wealth management means that customers bear the risk of principal loss, and deposits mean that banks bear the risk of capital loss.
Banks are places where deposits are made, and absorbing deposits should be the first thing banks should do. However, in banks, we can always see financial counters in their halls. Their main job is not to let customers deposit money, but to try to guide customers to manage their money through various means. So, what will happen?
This is mainly because the benefits brought by wealth management products are far greater than those brought by deposits. So they will be willing and very willing to let customers turn their deposits into wealth management products.
Most of these wealth management products represented by banks are investment wealth management products of insurance companies, and the agency fees paid by insurance companies are very considerable, up to 20-50%. Therefore, in the face of such high returns, banks are of course willing to let depositors buy wealth management products.
Once a depositor buys a wealth management product, he is not a bank depositor, but a customer of an insurance company, and the depositor's deposit becomes a wealth management product. In this case, the following will happen:
First, the investment time is uncertain. Bank deposits become wealth management products, which are often long-term, three to five years, ten years and eight years, and even death are normal. Once the money is urgently needed, the wealth management product expires and you want to cancel the contract, your loss will be great. I believe many people have learned this lesson.
Second, the degree of risk is different. Compared with bank deposits, the risks of wealth management products are far greater than bank deposits. For example, many people recently sold Evergrande's wealth management products. Is there no risk of recovery?
Third, the income is different. Compared with wealth management products, the risk of deposit is far less than that of wealth management products, but the income of deposit will also be less than that of wealth management products. In other words, the level of income is directly proportional to the risk of investment. The lower the risk, the lower the return; The higher the risk, the higher the income.
Fourth, the protection is different. Compared with the wealth management products of insurance companies, there are not only benefits, but also some guarantees. For example, the protection of accidental injuries and general diseases. Moreover, deposits only have interest income and are guaranteed.
Therefore, broadly speaking, the reason why banks do not welcome deposits and prefer wealth management products lies in the high agency fees given to them by insurance companies. These fees are paid to the bank according to a certain proportion agreed by both parties from the amount of wealth management products purchased by customers. Once the wealth management product contract is terminated early, you may have to pay a high price.
Therefore, when people in the bank ask you to turn your deposits into wealth management products, you must think twice before you act, and you must carefully screen them. Never turn deposits into wealth management products without knowing it.
Because of kickbacks or commissions.
Is that what I think about this question? Bank financing investment is risky and needs to be cautious. When bank staff see that most middle-aged and elderly people come to the bank to save money, they will guide them to buy bank wealth management products. Some middle-aged and elderly customers who can't bear the mental state will unconsciously not ask about the purchase of wealth management products, and it is impossible to go to the bank the next day if they feel wrong. Financial management takes a year, two or three years, and they can take it out at the specified time. Therefore, it is not embarrassing for banks to win or lose in financial management. If it is serious, you will lose money if you can't get the principal. The majority of middle-aged and elderly people who can't afford it don't buy wealth management products, put their money in the bank or buy government bonds.
People in banks are also pursuing their own interests, and their selfishness is obvious.
There is a rebate.
They are all linked to interests [comparison] [comparison] [comparison]
Listening to the president may be because of interest or task. In a word, we must obey the arrangement.