Are Jianxin's wealth management products reliable?

Jianxin pension wealth management products are reliable.

The first batch of pilot products of CCB Financial has four characteristics:

The products are abundant, and the first batch of products will pilot closed and open products, taking into account the mode of single purchase and small fixed investment to make up for all kinds of pension needs.

Intelligent and convenient, embedded in fixed investment, dividends, redemption and other scene functions, to enhance the old-age experience.

Adhere to Pratt & Whitney, carry out public offering business in China Construction Bank and China Merchants Bank, give full play to the advantages of banking services, and cover a wider range of elderly customers.

Steady income, on the basis of implementing various risk protection mechanisms, give full play to the comprehensive advantages of bank wealth management subsidiaries in asset allocation, quality asset acquisition, credit risk control and long-term investment experience, and manage people's pension funds well.

Financial products are products designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into the relevant financial markets according to the product contracts, and the relevant financial products are purchased, and the investment income is distributed to investors according to the contract.

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.

Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.

Bond type: invest in the money market, and the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.

Trust: trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and products invested in trust of beneficial rights of excellent credit assets of commercial banks.

Linked type: the final yield of products is linked to the performance of relevant markets or products, such as linked to exchange rate, linked to interest rate, linked to international gold price, linked to international crude oil price, linked to Dow Jones index, linked to Hong Kong stocks, etc.

QDII type: QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks qualified to provide overseas financial services on behalf of customers.

QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.

Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.

Personal wealth management product financing convenience loan refers to a certain amount of RMB loan paid by the handling institution to the borrower, with the assets and income in the personal wealth management product account purchased by the borrower in its name at the Bank of China as repayment guarantee, and the account suspension treatment as the main control means, and the financing amount calculated at a certain discount rate.