Copywriting of financial loan products

What wealth management products are there?

Question 1: What are the main classifications of financial products? Financial products can be divided into basic securities such as stocks and bonds and derivative securities such as futures and options. Secondly, according to the ownership attribute, financial products can be divided into two categories: property products such as stocks, options and warrants, and debt products such as national debt and bank credit products. The former is the relationship between property rights and the latter is the relationship between creditor's rights. Furthermore, according to the expected income, wealth management products can be divided into stocks, options, funds and other non-fixed income products. And various fixed (also called structured) products such as bonds and credit products. Finally, according to the length of time, risk degree and trading place, wealth management products can be divided into short-term products, long-term products, low-risk products, high-risk products, monetary products and capital products.

Question 2: What are the financial products? The so-called financial products refer to various carriers in the process of financing, including currency, gold, foreign exchange, securities and so on. In other words, these financial products are the trading objects in the financial market. The supply and demand sides form the price of financial products, such as interest rate or yield, through the principle of market competition, and finally complete the transaction to achieve the purpose of financing.

Financial products can be classified from different angles. Here we describe several main classification methods.

(a) according to the different product forms, it can be divided into three categories, namely, money, tangible products and intangible products;

1), currency. With the change of monetary system, its forms have also changed, from physical currencies such as shells and fabrics to metal currencies such as gold, silver and copper, and finally, alternative currencies, namely paper money, have emerged.

2) tangible products. There are many kinds of such products, including treasury bonds, short-term treasury bonds, foreign debts, private debts, corporate bonds, short-term treasury bonds, certificates of deposit, bank acceptance bills, commercial bills, promissory notes, cheques due in advance, bonds repaid in kind, prize-winning bonds, stocks, cheques, insurance policies, savings and so on.

3) Intangible products. That is, financial services can be roughly divided into eight aspects: loans, deposits, foreign services, transfer deposits, places or times, and credit services.

(2) According to the nature of the issuer, financial products can be divided into direct financial products and indirect financial products.

Direct financial products refer to discretionary instruments issued or signed by companies, enterprises, institutions and other non-financial institutions for direct financing activities between lenders of last resort and borrowers of last resort. There are mainly the following categories: corporate bonds, stocks, mortgage contracts, public bonds and national debt.

Indirect financial products refer to the tools for financial institutions to act as a medium between the lender of last resort and the borrower of last resort to carry out indirect financing activities. There are mainly the following categories: bank bills, bank drafts, negotiable certificates of deposit, life insurance, financial bonds and various IOUs.

(3) According to the duration of the credit relationship, it can be divided into short-term financial products and long-term financial products.

Short-term wealth management products generally refer to credit instruments with repayment period within one year in the money market. There are mainly the following categories: various bills, negotiable certificates of deposit and treasury bills.

Long-term financial products refer to credit instruments with repayment period exceeding one year in the capital market. There are mainly the following categories: stocks, bonds and various funds.

(4) According to different service industries, it can be divided into bank wealth management products, insurance wealth management products, trust wealth management products, securities wealth management products, finance company wealth management products and leasing wealth management products.

Question 3: What are the deposits of wealth management products: demand deposits (commonly used for settlement fund accounts of other products or services), time deposits (lump sum deposit and withdrawal, fixed lump sum deposit and withdrawal, call deposits, education deposits, lump sum deposit and withdrawal, interest on deposits, etc. ); Call deposit is a fixed deposit with indefinite deposit term and withdrawal notice in advance (1 day or 7 days), with an initial deposit of 50,000 yuan. Other general requirements include an initial deposit equivalent to 50 yuan RMB;

Credit card (local and foreign currency, joint name, etc.). ): that is, you can spend money (overdraft) without paying interest, but generally there is a limit on the amount, and the interest rate is relatively high (five ten thousandths, year-end18%); When using this product, we must pay attention to the interest-free period and the due repayment date. If we fail to pay off the due amount after the repayment date, we will be charged a late fee and penalty interest.

Loan: according to the purpose of the loan, it can be divided into housing loan (for buying houses), consumer loan (for buying bulk consumer goods such as automobiles) and commercial loan (for buying raw materials and other commodities that support your business activities); According to the different guarantee methods, there are credit loans (such as student loans), mortgage loans (such as housing loans, collateral can still be used after the loan), (collateral cannot be used after the loan), entrusted loans (such as provident fund loans) and so on. According to the time limit, there are short-term (1 year), medium-term (1-5 years) and long-term (more than 5 years) loans, and housing loans generally take a long time;

National debt: traditional national debt is what we usually call national debt, and now there are electronic savings bonds and book-entry national debt (no voucher);

Securities: usually refers to stocks, but actually includes bonds and so on.

Funds, wealth management, precious metals: investment and wealth management products that are relatively hot in recent years, the yield is greatly affected by the market and the overall economy; The minimum amount of general wealth management products is 50,000, and it must be an integer multiple of 1 0,000;

Insurance: financial products produced to spread risks and losses;

Check: actually, it should be a means of settlement and payment introduced by banks;

Option and futures: a kind of option based on margin, which belongs to the game of people with higher IQ and has obvious leverage.

The above current, term and loans are traditional financial products, treasury bonds, securities, funds, wealth management and precious metals are investment and wealth management products, and option futures are financial derivatives.

If you have relatively large idle funds (more than 50,000 yuan) and are risk-averse, you can deposit them into fixed-term or call deposits with corresponding maturities (high flexibility). If you are risk averse, you can consider buying some investment and wealth management products.

Even if you don't have enough money on hand, you can buy yourself a suitable insurance, buy some funds, or take a one-time deposit as needed, which can help you accumulate a lot, or effectively reduce the loss of unknown and major risks.

Question 4: What are the main financial products at present? There are four main types of financial products: bonds, stocks, bills, futures and so on.

Bonds are divided into national bonds, local bonds and corporate bonds.

Stocks are divided into stocks traded in the open market, also known as the secondary market. There are also non-public offering stocks traded in special markets.

At present, there is no financial introduction of financial derivatives in China, and now all the derivatives bought by China people are bought abroad.

Question 5: What are the financial products? Too many: stocks (A shares, B shares, H shares, US stocks, etc. ); Funds (stock funds, bond funds, money funds, hybrid funds, index funds, ETF funds, private equity funds) bonds (government bonds, corporate bonds, private bonds, local bonds); Trust (umbrella trust, structured trust, real estate trust); Asset securitization products; Financial planning of securities companies; Bank wealth management products; Insurance products; Wait, wait, wait. ...

Question 6: What financial products does the capital market include? Stock funds, bonds, futures warrants, foreign exchange, gold.

Question 7: What are the types of wealth management products and what are they? Financial products can be divided into two categories: basic securities such as stocks and bonds and derivative (advanced) securities such as futures and options;

Secondly, according to the ownership attribute, financial products can be divided into two categories: property products such as stocks, options and warrants, and debt products such as national debt and bank credit products. The former is the relationship between property rights and the latter is the relationship between creditor's rights.

Furthermore, according to the expected income, wealth management products can be divided into stocks, options, funds and other non-fixed income products. And various fixed (also called structured) products such as bonds and credit products.

Finally, financial products can be divided into short-term products, long-term products, low-risk products, high-risk products, currency (market) products and capital (market) products according to the length of time, risk degree and trading place.

Question 8: What are financial products? There are two kinds of wealth management products: one is fixed income wealth management products, and the other is equity wealth management products.

Fixed-income wealth management products refer to fixed-income assets invested in bank time deposits, agreement deposits, government bonds, financial bonds, corporate bonds, convertible bonds, bond funds and so on. The meaning of "fixed income" can be understood according to the characteristics of financial products such as bank time deposits and treasury bills. Generally speaking, this kind of products have low returns but are relatively stable, and the risks are relatively low.

Equity wealth management products are financial assets other than fixed wealth management products, that is, investments with no guaranteed income or investments with no fixed income, such as stocks, futures and options.

Question 9: What products does Baidu Finance have ◆ Hello ◆

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Baidu finance includes products such as Baiyuan, Baifa and Baidu Wealth Management B.

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Specifically, if you go to Baidu Finance homepage and switch to the investment item, it will be clear at a glance.

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Baidu Finance Home Page: Baidu

Baidu Financial Investment Page: 8.baidu/investment/0

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If it is valid, please click on the top right corner of the phone to select a satisfactory answer. Might as well order it by the way

Question 10: What does financial management mean? What products are there? Now Licaitong can only operate through WeChat mobile phone. Licaitong is a "wealth management supermarket" in WeChat, which contains wealth management products such as insurance and funds.

It can be operated through the mobile phone WeChat, which is simple and similar to the bank's demand deposit.

But it is higher than the deposit interest rate of the bank and can be withdrawn at any time.

What are the bank credit loan products? Take stock of some common ones!

Many people will choose to go to the bank for loans when they need money badly. After all, it is safer and the interest is low. So what are the common bank credit loans on the market now? In fact, many banks can handle mobile phones, and today we will take stock of some.

1, Agricultural Bank

Online loan: a well-known mobile phone credit loan can be handled through ABC pocket bank. The application threshold is relatively low, only the application age is 18 to 60 years old, and the personal credit record is good. The loan interest rate of NetJet Loan is 6%, and the loan time is 1 month to 60 months. The minimum loan amount is 6.5438+0 million, and the maximum loan amount is 3 million.

2. Industrial and Commercial Bank of China

E-loan: the applicant should be 18 to 65 years old, have a stable income and work, and have good personal credit information. The application amount is the lowest in 600 yuan, and the highest is 800,000 yuan, with interest of one ten thousandth per day. It is a pure credit unsecured loan product. The loan term can be up to 5 years, with the interest rate of 5.22% for one year and 5.7% for more than one year.

3. Bank of China

Wage loan: a small credit loan suitable for office workers, mainly providing personal revolving credit loans. The maximum loan amount is 500,000, which is generally 2 to 3 times the annual income. The loan term is generally one year, and the longest is three years. The loan amount can be used for home improvement, car purchase, education and medical care.

4. China Construction Bank

CCB's fast loans include fast e-loans, financing e-loans, pledge loans, car e-loans, Wo e-loans and other products. Mobile phone credit loan generally refers to fast e-loan, and the application amount varies from 1 0,000-300,000. Loans can be repaid with the loan, and the term is generally one year. During this period, the loan can be recycled and the interest is relatively low, so it is very cost-effective when it comes to activities.

What are the common loan products? I believe you have seen these loan products.

Now online search for loan products is really dazzling, and various loan products emerge one after another, but even so, some loan products are easier to be found because of their strong background. What are the common loan products? Let's have a look.

What are the common loan products?

1, excuse me

As an Alipay loan product, Lending Bao has attracted public attention as soon as it came out. The opening of the loan treasure requires Alipay users to complete real-name authentication, and the account is used normally. Sesame points have certain requirements. Sesame score must be above 600. The loan interest rate is determined by the system according to the comprehensive qualification evaluation of users. The better the general comprehensive qualification, the lower the interest rate.

2. Microfinance

Micro-loan is a micro-consumer loan product of Weizhong Bank, backed by WeChat, which has attracted much attention. Small loans can be up to 300,000 yuan, and the approval is fast. The loan can be released in 3 minutes at the earliest, and the loan service can be provided to users at any time without application materials. The maximum daily interest rate is 0.05%.

3,360 IOUs

360 IOUs are 360 financial consumption loans with a loan amount of 500,000-200,000, and the application requirements are low. As long as they are mainland residents aged 65,438+08-55, they can apply for loans with the authorization of their ID cards and savings cards. If the interest is paid, the monthly interest rate is the lowest.

4. Arbitrary loans

Willful loan is Suning's financial loan product. The applicant has good credit information and a stable income source. 22-55 years old, you can apply for a loan with your ID card and bank card. The willful loan is very friendly to new users, with an interest-free period of up to 30 days, early repayment and no handling fee.

There are many loan products all the year round. You can choose appropriate loan products according to your actual needs and personal qualifications. Most loan products are subject to credit investigation. After borrowing, you should return it on time, and you can't overdue it.

What are there in inclusive finance?

Inclusive finance Company:

First, financing immediately.

Instant Finance is a very popular inclusive finance company in recent years. It has a consumer finance license issued by the China Banking Regulatory Commission, and the loan amount can reach 200,000 yuan.

Second, Haier Finance is happy to pay

Hi Pay is a product of Haier's consumer finance, which supports consumption staging and credit loans. The application conditions are relatively simple and have been welcomed by many loan users. The maximum loan amount is 200,000 yuan, and the minimum credit amount for borrowers with good credit is generally 654.38+0,000 yuan, which can meet the basic daily borrowing needs.

Third, recruit joint finance.

Zhaolian Finance is a inclusive finance company established by China Merchants Bank and China Unicom. The loan amount can also reach 200 thousand, and there is no need to borrow money to provide mortgage and guarantee.

Fourth, Suning consumer finance.

Suning Consumer Finance is a inclusive finance company owned by retail giant Suning.cn. Not only can we provide you with cash loans, but we can also help you shop in installments.

Five, ant small loans

Ant Small Loan is a inclusive finance company owned by Alibaba, and its loan products, Bai Hua and Ant Borrowing, have great influence.

Sixth, pleasant loans.

Yirendai is a well-known inclusive finance company, which has been listed in the United States. Pleasant loan can provide you with four loan modes, namely elite mode, provident fund mode, life insurance mode and extreme speed mode.

In fact, inclusive finance does not mean a comprehensive service platform or a company. Inclusive finance is a financial definition, which refers to providing appropriate and effective financial services to social and economic development classes and groups at the expense of work pressure, and paying attention to the requirements of fair opportunities and sustainable business norms. Small and medium-sized enterprises, farmers, urban low-income groups, poor groups, the disabled, the elderly and other special groups are the overall goal of important services in inclusive finance, China.

Although many loan companies have the word "Pratt & Whitney", such as Ping An Pratt & Whitney, PICC Pratt & Whitney, Wanda Pratt & Whitney and so on. Whether the ultimate inclusive goal is achieved depends on the actual operation. Users should pay attention to choosing regular licensed institutions and Pratt & Whitney companies with excellent reputation when applying for loans, otherwise they may be cheated.

Key elements of inclusive finance:

First, the service targets are mainly office workers, self-employed, small and medium-sized enterprises, micro-enterprises, farmers, urban low-income people, poor people, disabled people, the elderly, special groups and so on.

Second, there is no need to provide guarantee or collateral, and the application process is fast (generally, bank loans are more than 1 month, and inclusive finance loans are generally 3 to 5 days); Effective allocation of funds.

Third, inclusive finance exists to meet the financial needs of low-income people and even the poor.

What are the credit loan products?

Credit loan products refer to credit loan products that do not need mortgage and guarantee. Now there are mainly the following credit loan products:

1. Bank credit loan products: All banks have launched credit loan products, such as China Construction Bank Express Loan, Ping An New Loan, China Merchants Bank Flash Loan and Shanghai Pudong Development Bank Silver Point Loan.

2. Online credit loan products: Most online loans belong to credit loan products, and the well-known ones include loan treasure, consumer treasure, gold bars, white bars, micro-loans and online business loans.

3. Consumer finance credit loan products: Consumer finance companies have also launched some credit loan products, such as Zhaolian Consumer Finance Good Term Loan, BOC Consumer Finance New Easy Loan-Microfinance, Yin Bao Consumer Finance Package, and you can also borrow.