The wealth management products launched by banks are all aimed at saving money.
Deposits with the word "Bao" are mostly time deposits. As a customer, deposit depends on the deposit term, deposit interest and variety.
Generally speaking, wealth management products have strict time regulations and cannot be withdrawn casually (it is clearly stipulated in the signed agreement). So, you'd better stick to the agreed date to collect it. Of course, due to irresistible objective reasons, you really have to wait for money. You might as well consult the bank.
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The difference between Hui Nong Bao and Fixed Term Bao;
First, the roles are different
1, Huinongbao: Let farmers inquire about industry information anytime and anywhere, pay attention to market dynamics and understand the transaction progress.
2. Fixed-term treasure: Users can not only choose the wealth management fund cooperated by Tian Tian Fund Network, but also cultivate their wealth management habits through fixed-term wealth management funds, and the subscription and redemption of fixed-term treasure wealth management funds are free of charge.
Second, the characteristics are different.
1, Huinongbao: The popularization of Huinongbao can further improve the efficiency of "agricultural products enter the city and industrial products enter the village", thus maximizing farmers' income.
2. Fixed-term treasure: It has the characteristics of low investment threshold, short term, stable income and low risk.
Third, the application is different.
1, Huinongbao: mainly provides agricultural market information, expert consultation, agricultural technology knowledge learning, agricultural news, agricultural weather and other applications.
2. Term treasure: used to provide authoritative, professional, timely and comprehensive financial services for investors, covering fund transactions, information, industry trends, data, ratings and analysis.
Bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customer groups on the basis of analysis and research on potential target customer groups. In the investment mode of wealth management products, banks only accept the funds entrusted by customers, and the investment income and risks are borne by customers or both customers and banks in an agreed way.
The Interim Measures for the Management of Personal Financial Services of Commercial Banks promulgated by CBRC defines personal financial services as "professional service activities such as financial analysis, financial planning, investment consultancy and asset management provided by commercial banks for individual customers". Personal financial services of commercial banks are divided into financial advisory services and comprehensive financial services according to different management and operation modes. What we generally call "bank wealth management products" actually refers to comprehensive wealth management services.
According to the standard explanation, it should be the capital investment and management plan that commercial banks develop, design and sell for specific target customers based on the analysis and research of potential target customers. In the investment mode of wealth management products, banks only accept funds entrusted by customers, and the investment income and risks are borne by customers or customers and banks in an agreed way.
Generally speaking, according to the types of expected income, we divide bank wealth management products into fixed income products and floating income products. In addition, according to the different investment methods and directions, we often hear and see new share subscription products, bank credit cooperative works, QDII products, structured products and so on.