How to redeem all of them over time

You can do this in Bank of China e-Banking.

Select Wealth Management - My Wealth Management products.

For position management, select the wealth management product that needs to be redeemed, and click the redemption option of the holding product. The page displays the wealth management transaction account information, and please select the wealth management product (due to the limitation of the screen size and mobile phone model, the number of products displayed on each page of different models of mobile phones is different, and the page can be turned), click the details button. Display the product details of the selected product, product**, product name, currency, banknote symbolIf the currency of the current product is RMB, the "-" product establishment date, product maturity date, holding shares, available shares, redemption**, realized gains and estimated annual yield will be displayed.

Handle related business.

How to deal with idle funds in the company's bank account, which is convenient and cost-effective?

Liquidity of the company's account.

It's big and there are often.

If you retain a lot of funds in one or two days, how to deal with the rate of return on funds that can be provided?

In response to similar financial management needs, Bank of China has launched one.

Low risk, high liquidity"The cash management tool of BOC has accumulated wealth management over time"Day plan"（**：gsrjyl01）。In the presence of demand deposits.

On the basis of advantages, its good performance has received extensive attention from enterprises.

Highlight 1: High flow, take it at any time.

Day plan"The biggest feature of (GSRJYL01) is its ultra-high liquidity, which can meet the demand for cash withdrawal at any time. From 9 a.m. to 3:30 p.m. on each bank working day, the company can subscribe and redeem at any time, and the funds in and out are very smooth, and the redemption funds will arrive in real time.

Highlight 2: High yield, win deposit.

Day plan"(GSRJYL01).

The reference rate on March 21 of the year) is much higher than the bank demand deposit rate for the same period.

Even higher than the seven-day call deposit rate.

Highlight 3: Low risk, more peace of mind.

Day plan"It mainly invests in treasury bonds, financial bonds, and ** bank bills.

and other low-risk, high-liquidity financial instruments.

In addition to high liquidity, investment costs are also very important. "Day plan"(gsrjyl01) promises in the contract that during the management period, no subscription and redemption fees will be charged, which greatly reduces the investment cost of such products.

Highlight 5: Low starting point, suitable for demand.

Day plan"(GSRJYL01) The starting amount of subscription is 50,000 yuan, which is especially suitable for the financial requirements of idle funds and fully meets the needs of small and medium-sized enterprises to increase capital returns.

Highlight 6: Internet banking.

Buy it at your fingertips. The company applies at the counter"Wealth Management"function, log in to the corporate online banking after successful activation, and select it"Day plan"(GSRJYL01) product"Purchase"You can subscribe, and you don't need to go to the bank counter to provide an application.

BOC accumulates day by day"Day plan"(GSRJYL01), liquidity is similar to demand deposits, while investment income.

However, it is much higher than the interest rate on demand deposits. The company has high liquidity requirements and hopes to obtain a more stable and higher income than the demand deposit, and can obtain long-term and stable income returns by purchasing this product.

BOC has accumulated wealth management over time"Application process for online banking subscription:

1. Ask for the "Master Wealth Management Agreement" and "Online Banking Service Application Form" from the counter of Bank of China outlets;

2. After the materials are filled in and stamped with the required seals, they will be submitted to the counter, and the bank will review and open the online banking function within 2 working days;

3. The company's operators log in to the corporate online banking of Bank of China and click"Investment and financial management.

"Wealth Management"-"Product inquiry and purchase", select"BOC Daily Accumulation Plan (Corporate).", product ** is gsrjyl01, click"Purchase"button to enter the purchase interface.

5. After the authorization review is successful, the financial transaction will be confirmed to be completed;

6. When the company wants to redeem the financial management, log in to the online banking and click"Position inquiry and redemption"to do so.

1. Individual investors can redeem wealth management products at all business outlets (or online banking and other electronic channels) after signing the "Bank of China Shares **** Wealth Management Product Master Agreement" and conducting risk assessment at the business outlets.

2. Investors should carefully read the documents of the wealth management product including the above-mentioned general agreement and the Product Manual, and after signing, it shall be deemed that you authorize and agree that Bank of China will act as the manager of the wealth management product and will raise funds for investment and perform relevant operations on behalf of the investors of the wealth management products, and have the right to exercise all the rights enjoyed by the parties to the transaction under the underlying asset transaction on behalf of the investor.

3. If the investor buys on T day, then the bank will confirm it on T+1 day and deduct the payment on T+1 day. If the deduction date is not a working day, it will be postponed to the next business day. T-day and T+1 are open days.

4. During the open day, Bank of China accepts the redemption application of Bank of China's wealth management products. Bank of China will confirm the validity of the investor's redemption application on the first working day after the redemption period, and register or deduct the shares.

You can select the wealth management product you want to redeem in the Position Management of Wealth Management section of Bank of China e-Banking, and click the Redemption option of Holding Product. The accumulated income of BOC is credited to the user's account on the 15th of each month, and the user can pay attention to the account on the 15th of each month.

In fact, for such real-time subscription and redemption of wealth management products, it is more common to suspend redemption applications, especially during the IPO period, which is more likely to occur in a centralized application for redemption.

The prospectus of such real-time subscription and redemption of wealth management products will also have a provision on the suspension of redemption application, and once the corresponding clause for large-amount redemption is triggered, the bank can initiate the suspension of the application operation.

When the 12-installment interest rate of the credit card is greater than the annual interest rate of the loan, the installment fee of the credit card is higher than the interest of the loan; When the 12-installment interest rate of the credit card is less than the annual interest rate of the loan, the interest of the loan is higher than the installment fee of the credit card. That is to say, the interest comparison between credit cards and debits, should be carried out with the same number of installments, and the one with the higher interest rate is the one with the higher interest.

First of all, you should understand that borrowing is a financial instrument that can only provide cash loans to everyone, and credit cards can be used for direct consumption and cash withdrawal.

Borrow. Borrowing is a loan product with daily interest on a daily basis, with daily interest rates in between. Each person will be different because of the overall credit situation. If the daily interest rate of the loan is 10,000 yuan, then the interest of the loan for 1 day is 5 yuan.

Credit card. When Duan Qingjian used a credit card overdraft to consume, everyone had an interest-free period of dozens of days. During the interest-free period, you do not need to bear the interest on the loan.

If you are unable to repay the loan on the repayment date and choose to repay the loan in installments, you will have to pay a certain handling fee. In the future of China Merchants Bank credit card, the installment fee will be between each installment.

When using a credit card to withdraw cash, the interest rate of the credit card will be different from that of installments. Taking China Merchants Bank credit card as an example, the handling fee for each transaction is 1% of the loan amount, and the minimum fee is RMB 10 per transaction. In addition, you also need to pay interest on a daily basis, with interest calculated at a daily interest rate of 5/10,000 and compounded on a monthly basis.

It is not difficult for everyone to see that which interest rate is higher between borrowing and credit card should be judged in combination with the use. If you are using it to pay for consumption directly, then the interest rate of credit card accounts is lower. If you want to withdraw cash for consumption, then the borrowing may be lower.

Investors can only apply for subscription and redemption within the time specified in this product manual. In order to make it more convenient for investors to operate, Bank of China has recently added a new bank transaction mode on the basis of the original over-the-counter transactions. Investors only need to go to the counter for the first time to sign and open an account, and then as long as they go through the ** bank channel, they can realize the accumulated subscription and redemption transactions of the BOC Currency Wealth Management Plan, eliminating the trouble of going through the procedures at the counter.