What is the difference between deposit and bank management? What is the difference between bank bank

Bank wealth management: According to the requirements of the new asset management regulations, wealth management products cannot guarantee principal and interest, including bank wealth management products. Of course, not promising to guarantee principal and interest does not mean that wealth management products have great "risk", nor does it mean that bank wealth management is unreliable or "risky", mainly depending on the risk level of the asset target invested behind the product.

Deposit: Enjoy deposit insurance protection, 100% compensation within 500,000 yuan.

You can pay attention to the "smart bank deposits" of small and medium-sized banks, and enjoy the deposit insurance protection (according to the "Deposit Insurance Law": individuals can enjoy 100% compensation within 500,000 yuan for ordinary deposits (excluding structured deposits) in a single bank), and the "interest rate" is about 4%.

Or pay attention to "Du Xiaoman Technology Service Account (duxiaomanlicai)" for detailed product information. Investment is risky, and financial management needs to be cautious!

The level of return and the size of the risk. High returns, naturally high risks.

For banks, deposits are regulated by the state, have restrictions on their use, and can only be used for expenses such as loans. The wider the scope of financial management, which may be used for other aspects of investment, will naturally have greater risks.

The wealth management products of the bank's business hall do not represent the operation of the bank, but may be foreign cooperation. Moreover, once there is a risk loss, it is useless to find a bank. There is a detailed "disclaimer" in the contract.

The differences between bank wealth management products and bank deposits are as follows:

1) The definition is different:

A bank deposit is a sum of money that is deposited in a bank. It is an integral part of monetary funds. Wealth management products are a type of wealth management products designed and issued by commercial banks and formal financial institutions, in which the raised funds are invested in the relevant financial markets and purchased in accordance with the product contract, and the investment income is obtained, and then distributed to investors according to the contract.

2) Different kinds:

Bank RMB wealth management products can be broadly divided into bond, trust, linked and QDII. Bank deposit accounts are divided into basic deposit accounts, general deposit accounts, temporary deposit accounts and special deposit accounts. The basic deposit account refers to the account of the enterprise for daily transfer settlement and cash receipt and payment, and the deposit can be divided into three types: demand deposit, time deposit and savings deposit according to the time.

(3) The benefits are different:

Generally speaking, the income of wealth management products is higher, in wealth management products China bonds, **, etc. are good, but wealth management products want to be more risky, personal investment should be carefully considered before investing. Bank deposits receive interest based on the interest rate given by the bank, but pay attention to the inflation rate, otherwise putting money in the bank is actually a loss.

Bank wealth management: According to the requirements of the new asset management regulations, financial products cannot promise to guarantee the payment of principal and interest, including bank wealth management products. Of course, not promising to guarantee principal and interest does not mean that the wealth management product is "risky", nor does it mean that the bank's wealth management is unreliable or "high-risk", mainly depending on the risk degree of the product.

Early redemption is generally not possible.

Bank deposits: enjoy deposit insurance protection (according to the Deposit Insurance Law: individuals can enjoy 100% compensation for ordinary deposits in a single bank within 500,000 yuan). At present, banks generally tend to be more conservative and do not want to take risks.

Extended Materials. Bank wealth management products are capital investment and management plans developed and designed by commercial banks for specific target customer groups on the basis of analysis and research of potential target customer groups. In the investment method of wealth management products, the bank only accepts the authorization of the customer to manage the funds, and the investment income and risk are borne by the customer or the customer and the bank in accordance with the agreed method.

According to the standard interpretation, it should be that a commercial bank develops, designs, and sells a capital investment and management plan for a specific target customer group on the basis of analysis and research on potential target customer groups. In the investment method of wealth management products, the bank only accepts the authorization of the customer to manage the funds, and the investment returns and risks are borne by the customer or the customer and the bank in accordance with the agreed method.

Generally, according to the type of expected return, we divide bank wealth management products into two categories: fixed income products and floating income products. In addition, according to the different investment methods and directions, new share subscription products, bank-trust cooperative products, QDII products, structured products, etc., are also the statements we often hear and see.

Key trends. First, the gradual expansion of interbank wealth management products has mapped the original "bank-bank" cooperation model between foreign-funded institutions and Chinese-funded commercial banks to the interbank wealth management model between large domestic banks and small and medium-sized banks.

Second, the gradual attempt of portfolio insurance strategy, the stability of the product does not depend on whether it participates in the investment of high-risk assets, but on the reasonable allocation of the investment portfolio.

Third, the gradual increase in dynamic management products, the flexibility of investment direction and investment portfolio, and high liquidity are the main advantages of this type of products. However, the issue of information transparency in such products is a cause for concern.

Fourth, the gradual prosperity of POP (product of product) has met the investment needs of investors with different risk tolerances through the construction of portfolios between different types of bank wealth management products.

Fifth, the gradual rise of alternative investment, art and beverages (wine and tea) have gradually entered the investment vision of the bank wealth management product market, and the future of low-carbon concepts, real estate and natural resources investment will become the next hot spot.

1. Differences in liquidity:

Deposits can be withdrawn early. However, bank wealth management products cannot be redeemed in advance before the maturity date or open date.

2. Differences in profitability:

The interest rate on savings deposits is determined in advance. The rate of return of bank wealth management products cannot be determined in advance and is uncertain. The rate of return indicated at the time of sale of wealth management products can only be the "expected rate of return", which may be different from the final realized rate of return.

3. The difference in terms of time limit:

Savings deposits, with the exception of demand deposits, have a strict term. The term of bank wealth management products is very rich and flexible, and banks can even tailor wealth management products for large customers.

1. Risk: Deposit insurance implements a limit of repayment, and the maximum repayment limit is RMB 500,000, that is, the investor's deposit below 500,000 yuan is basically principal-protected, while wealth management is not principal-protected, and there is a loss situation, and its risk is higher than that of the deposit.

2. Profitability: The income of deposits is generally linked to the interest rate of demand deposits, which is relatively stable, while the income of wealth management products is linked to the trend of the subject matter of investment in wealth management products, which fluctuates greatly, and the income may be higher than that of deposits.

3. Flexibility: demand deposits can be withdrawn at any time, and time deposits can also be withdrawn in advance, while some wealth management products have a certain closed period, and redemption operations cannot be carried out during the closed period, for example, closed-end **, its flexibility is a little worse than that of deposits.

Extended Information: How to Deposit:

1. Deposit refers to the depositor's temporary transfer or storage of funds or currency to banks or other financial institutions under the condition of retention of ownership, or the temporary transfer of funds or currency to banks or other financial institutions, which is the most basic and important financial behavior or activity, and is also the most important credit fund of the bank. It is understandable to deposit money in banks, such as rural credit cooperatives, and depositing money in rural credit cooperatives is also a deposit product, and it is subject to the same protection as depositing it in a bank.

2. According to Article 5 of the Regulations on Deposit Insurance, deposit insurance shall be repaid in a limited amount, with a maximum repayment limit of RMB 500,000, and full repayment shall be made if the principal and interest of all insured deposit accounts of the same depositor in the same insured institution are calculated together within the maximum repayment limit; The part exceeding the maximum repayment limit shall be compensated from the liquidation property of the insured institution in accordance with the law. The most basic difference between deposits and wealth management products is risk, such as less than 500,000 in a bank (more than 500,000 can be divided into multiple deposits in multiple banks) can be said to be risk-free, including demand, time and large certificates of deposit, even if the bank fails, you can get full compensation, including the interest part (principal and interest do not exceed 500,000).

Mainly from deposit insurance** and deposit reserves held with the central bank.

3. If you say that deposit insurance** and the central bank are not working, it is also a risk, then you can only say that the country is finished, and the RMB is no longer called RMB. Wealth management products do not guarantee that the principal will not be lost (there is no principal-guaranteed wealth management product after the low of 2020, because any wealth management product has risks), and once it is lost, the investor has to bear the loss of principal, and no institution will pay for the loss. Especially for higher-risk P2P financial management, if the platform goes bankrupt or runs away, it is useless for you to find anyone, you can only wait for the liquidation results to come out, and pay according to the investment ratio.

The difference is between risky and risk-free.

Legal Analysis: Investment and bank deposits are two ways to manage your finances without making any fuss. Bank deposits are deposit contracts, which are less risky, but also have relatively low returns; Investment and wealth management are investment contracts, which may obtain higher returns, but the risks are also correspondingly higher.

Investment and wealth management require investors to bear their own risks, while bank deposits are borne by banks.

Legal basis:1Contract Law

Article 56: The conclusion and performance of contracts shall follow the principle of good faith.

Article 75: Parties shall perform their own obligations to protect the lawful rights and interests of the other party, and must not violate the provisions of laws and administrative regulations and the principles of the societal public interest.

2.Tort Law

Article 100: Citizens, legal persons, or other organizations with capacity for civil conduct shall bear tort liability if they infringe upon the civil rights and interests of others due to their fault.

Article 105 Investors shall bear investment risks in accordance with law, and shall not pursue liability for investment losses from others, except as otherwise provided by law.

The above is only a legal reference, investors should choose the corresponding financial management method according to their personal risk tolerance and investment purpose when investing in wealth management and bank deposits, and pay attention to abide by the relevant laws and regulations.