What is the meaning of bank financing net worth type?

Net worth wealth management products are funds raised by banks to invest in capital markets or money markets. The ultimate income of investors depends on the investment income of banks, and banks do not promise a fixed rate of return in advance.

Net worth wealth management products have no expected income, and banks do not promise fixed income. The benefits gained by actual users are related to the net value of products. Simply put, if the net value of the product is 1 when the user purchases it, the user's income on the next open day will be 1.2- 1 = 0.2. If the net value becomes 0.9, the gain is 0.9- 1=-0. 1, which means the loss is 0. 1.

Extended data

There are three main differences between online financial products and traditional financial products:

1. From the perspective of liquidity, general wealth management products have an investment period, and the funds cannot be redeemed before the expiration; Net-worth wealth management products are highly liquid, and there are open days every week or month, so the purchase and redemption are relatively flexible.

2. Similar to Public Offering of Fund, net worth products will disclose income, which is more transparent than traditional wealth management products of banks.

3. Net worth wealth management products are scattered in different markets, especially some high-risk markets; When the market is good, the income will be higher than that of ordinary wealth management products, and it may also lose money when the market is bad.

Different net worth products have different development and redemption periods. Take Shanghai Pudong Development Bank's 10 net worth products as an example. The opening cycle includes daily opening, monthly opening, quarterly opening, semi-annual opening and annual opening. Each open redemption period will give the current net value of the product. According to the reporter's rough statistics, although there are differences in the yield of different net worth products, at present, the real income of these products has certain advantages compared with fixed income wealth management products in the same period, and the annualized rate of return is higher than that of traditional wealth management by 1-3 percentage points.

Selection method of wealth management products:

Look at the expected return and risk status of the product.

The expected rate of return of bank wealth management products is only an estimate, not the final rate of return. Moreover, the bank's oral publicity does not represent the content of the contract, which is the most standardized agreement of wealth management products. Financial experts said that in the current weak market environment, investors need to read the product manual carefully when buying bank wealth management products, and don't expect too much from the income of wealth management products.

Second, look at the product structure and redemption conditions.

"For bank wealth management products, investors need to understand the target of the product; Investors need to be cautious about those unfamiliar and uncertain wealth management products. " Financial experts said that some wealth management products are not allowed to be redeemed in advance. Although some wealth management products can be redeemed in advance, they can only be redeemed at a specific time and need to pay redemption fees; Some wealth management products have a capital preservation clause, but the premise is that the products must expire, and investors may lose their principal if they redeem them in advance.

Third, look at product terminology.

Some financial experts believe that the term of bank wealth management products is long or short, and some half-year or one-year wealth management products may be issued at a high level in the stock market. Now the stock index has been "halved" If such wealth management products lose money, it is difficult to achieve "turning losses into profits" in the short term. Some wealth management products have a long term and a good design structure. Even if they lose money now, if the market improves in the next two or three years, it is entirely possible for such wealth management products to turn losses into profits.

Fourth, look at the investment direction.

Where will banks invest their funds, because the direction of capital investment is directly related to the yield of wealth management products. In addition, banks are not professional asset management institutions, and many bank wealth management products, especially stock wealth management products, are actually managed by investment consultants hired by banks. Investment consultants are generally held by fund companies and securities companies, and their investment and research ability largely determines the income and risk control ability of products. Therefore, investors should understand the investment research ability of investment consultants when purchasing bank wealth management products.

People's Daily Online-Shanghai Pudong Development Bank's net worth wealth management products are concerned by the market.