How much difference can the treatment gap between Guangzhou Bank of Communications and the other four state-owned banks be? I heard that Bank of Communications is not doing very well in Guangzhou. .

Bank of Communications is a state-owned bank registered in the later period. More flexible than the first four, but the scale is relatively small, but the profit is still high. In terms of salary, after the salary increase of10 in July, the salary level of new employees of Bank of Communications should be higher than that of state-owned banks, and may be slightly lower than that of Bank of China. However, the situation varies from place to place. I think the basic salary of 4 thousand is ok, not much difference. Performance bonus depends on your contacts and position, which is higher than that of ABC and the same as that of Gongjian. Bank of China doesn't understand. Generally speaking, it's not bad. After all, banks are more stable and all kinds of insurance pay in full.

First, the publicity competition between the wealth management products of major banks is becoming increasingly fierce. How to choose financial products? First of all, you should know some knowledge, and then there are some matters that must be paid attention to, so as to choose a good product.

1, to distinguish whether the product is guaranteed.

Bank wealth management product is an investment tool with investment attributes. For investment, there are risks, but the risks are different. According to relevant regulations, bank wealth management products are divided into three types: guaranteed income wealth management products, guaranteed floating income wealth management products and non-guaranteed floating income wealth management products. Guaranteed income is a product type that promises a certain minimum income. In addition, the floating income of capital preservation refers to capital preservation, but the income is floating.

2. Choose products according to your risk tolerance.

Investors should make a good risk assessment before buying, including their own risk assessment. Learn more about your property, family economic status, income composition, financial goals, risk preferences, etc. Then there is the product risk assessment.

Don't ignore the liquidity of funds.

Some bank wealth management products are illiquid and cannot be redeemed in advance to get back the funds. If there is a high demand for liquidity, try to avoid investing in such products and buy other more liquid investment tools instead.

4. Pay attention to the opportunity cost of your investment.

Second, wealth management products, that is, products designed and issued by commercial banks and formal financial institutions themselves, are products that put the raised funds into relevant financial markets and purchase relevant financial products according to product contracts, and then distribute them to investors according to the contract after obtaining the investment income.

The China Banking Regulatory Commission issued the Interim Measures for the Management of the Sales of Wealth Management Products of Wealth Management Companies, which strengthened the management of the sales process of wealth management products, clarified a number of prohibited acts in the sales process of wealth management products, and effectively protected the legitimate rights and interests of investors. These Measures shall come into force on June 27th, 20021year.