What is ICBC's balance financing?

Balance financing is ICBC Credit Suisse Cash Pass, which can be used in ICBC wealth management products. In fact, it is a cash account, with fast and flexible deposit and withdrawal of funds, and the income far exceeds the current account. Similar to Yu 'ebao, it has a low financial risk level and is easy to use, so it has also been favored by many people.

1. Historical data shows that the balance wealth management income of ICBC is slightly higher than that of Yu 'ebao, and the annualized income on the 7th is around 4%. Although it fluctuates, it belongs to a stable income product.

2. ICBC's balance wealth management products, on the surface, are fast and flexible cash accounts, and the income far exceeds the current period, but in fact they are deposited in the ICBC Credit Suisse Monetary Fund, which belongs to the monetary fund;

3. The risk level of this product is PR 1, and it is a very low-risk product, and the income is also daily, so it can be taken at any time without any handling fee, which is convenient and fast. Therefore, it seems that ICBC's balance financing is highly secure and suitable for conservative and liquid investors.

Extended data:

Main trends:

First, the gradual expansion of interbank financial products, mapping the original "silver-silver" cooperation model between foreign-funded institutions and Chinese commercial banks into the interbank financial management model between large domestic banks and small and medium-sized banks.

Secondly, the gradual attempt of portfolio insurance strategy, whether the product is stable or not, does not depend on whether to participate in the investment of high-risk assets, but on the rational allocation of investment portfolio.

Third, the number of dynamic management products is increasing gradually, and the flexible investment direction and portfolio and high liquidity are the main advantages of such products. However, the information transparency of such products is worthy of attention.

Fourthly, with the gradual prosperity of POP(Product of Product), different types of bank wealth management products can meet the investment needs of investors with different risk tolerance through combination construction.

Fifth, with the gradual rise of alternative investment, artworks and drinks (wine and tea) have gradually entered the investment horizon of bank wealth management products market, and the future low-carbon concept, real estate and natural resources investment will become the next hot spot.

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