If you are bought, is product of bank conduct financial transactions really, so certain and safe! " endowment canal new rule " although release, but have very long transition period, accordingly, of product of bank conduct financial transactions or rigid cash.
Product of bank conduct financial transactions, earnings stability, risk is low, had not happened basically to expire principal and interest did not arrive the circumstance of Zhang.
Product of bank conduct financial transactions can differentiate 3 big sort: Maintain this fixed income model, maintain this float income model, blame maintain this net value model.
Maintain this fixed income model. Just as its name implies, the bank provides capital of conduct financial transactions and accrual safeguard, this kind of product not only safe, and maintain income.
Maintain this float income model. Safeguard of bank of this kind of product invests capital, but do not guarantee profit of conduct financial transactions, be in namely accrual respect, the user needs to assume particular risk, but from calendar year product of this kind of conduct financial transactions expires accrual settle accounts will tell, the final yield of very few occurrence product expects the case of yield under the product.
Blame maintain this net value model. As similar as open mode fund, net value product, keep product of this float accrual conduct financial transactions to open type, blame, did not expect earnings, did not invest time. The product perhaps is opened every months every week, the user is being opened period inside can undertake explain buy redemptive wait for an operation. Suit to the client that invests experience certainly is bought.
The risk grade of this product can indicate commonly on manual of product of conduct financial transactions, investor should choose as far as possible before buying product of bank conduct financial transactions and the grain property that waits relatively tastes him risk preference.
However, bank conduct financial transactions also is not to do not have hole. Bank besides self-supporting product, still can help others sell a product. Be sure to keep in mind, this wants to distinguish. The bank sells goods on a commission basis product, feline be bored with is not little, most abominable is " flying sheet " , namely bank him clerk or with collude of social personnel inside and outside, use the investor credit to the bank, sell the conduct financial transactions that does not belong to him bank to issue the product, obtain the commission deduct a percentage from a sum of money of high specified number from which. If be met " flying sheet " , you buy this is not product of bank conduct financial transactions!
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