When the wealth management product expires, why has the money not arrived and the financial manageme

You don't say what kind of financial product it is, if it is a bank's financial product, you can call the bank's customer service**, if it is some financial software, this may have a problem, because the financial software actually has no big guarantee.

Summary. The reason why the money does not arrive at the end of the savings period is that it takes time to transfer money, usually 1 to 3 working days, during which the financial records cannot be displayed and the money is not visible in the bank.

Why didn't the money arrive when the financial management was due?

The reason why the money does not arrive at the end of the savings period is that it takes time to transfer money, usually 1 to 3 working days, during which the financial records cannot be displayed and the money is not visible in the bank.

Two days later, the bank arrived, and the money received included the principal and interest. It also takes a certain amount of time for banks to approve the actual income of wealth management products.

If you don't pay when your wealth management expires, can you use legal means to recover the principal?

How long has it been.

Is it possible to use legal means to get the principal back if it is not due?

The principal cannot be recovered by legal means before it expires.

Because this is within a reasonable operating range.

It's been 20 days since it expired.

It must be recovered by legal means if it still does not arrive after three days of expiration.

Then you can use legal means to recover this situation.

Do you call 110 directly?

You can call the police or sue you.

This is generally done through prosecution.

Ask about custom messages].

It will arrive in about 2-3 business days. Investors do not need to redeem the wealth management products purchased by the bank after they expire. The principal and income will generally be returned to the investor's current account within 2-3 trading days.

Depending on the bank's past arrival time, it is likely to arrive around 8 p.m. after 2-3 trading days. At that time, investors can pay attention to the bank card SMS or inquire about the transaction details. Of course, if it falls on a public holiday, the arrival time will be postponed.

Some banks' wealth management products can be renewed after maturity, that is, the products will enter the next investment cycle. If the investor chooses to renew, the general income will arrive first after maturity, and the principal will continue to be transferred.

Extended information: 1. After the maturity of a wealth management product, investors can check whether the difference between the yield to maturity and the expected rate of return of the wealth management product is too large. If the difference is large, they should consider whether to continue investing in the next period.

For example, a product has an expected rate of return of 4% for one year. If the yield is 3000 after maturity, the yield is 1% lower.

2. Investment products, i.e., products designed and issued by commercial banks and formal financial institutions, invest the raised funds in the relevant financial market, purchase relevant financial products in accordance with the product contract, and distribute the investment income to investors according to the contract.

3. The China Insurance Regulatory Commission issued the Interim Measures for the Administration of Sales of Wealth Management Products of Financial Management Companies, strengthening the management of the sales process of wealth management products, clarifying a number of prohibited behaviors in the sales process of wealth management products, and effectively protecting the legitimate rights and interests of investors. These Measures shall come into force on June 27, 2021.

4. Commercial banks and formal financial institutions are classified by currency: RMB, foreign currency and dual currency financial products, target profit, quick navigation, financial risk disclosure, sales of personal financial risk control products under the new regulations.

5. Common products and short-term products pledged by ** financial classification, risk-related wealth management typesBank RMB wealth management products can be roughly divided into bond type, trust type, linked type and QDII type. Bond typeWhen investing in the money market, the investment products are generally central bank bills and corporate short-term financing bonds.

6. Since central bank bills and corporate short-term financing bills cannot be directly invested by individuals, such RMB wealth management products actually provide customers with the opportunity to share investment returns in the money market. Trust type: Trust products that invest in the guarantee or repurchase of commercial banks or other financial institutions with high credit ratings, and also invest in trust products that benefit from the excellent credit assets of commercial banks.

7. The final rate of return of hook type products is linked to the performance of the relevant market or product, such as exchange rate, interest rate, international gold price, international ****, Dow Jones index, Hong Kong stocks, etc.

8. Types of QDII: The so-called QDII, i.e., qualified domestic investment institutions conducting overseas wealth management on behalf of customers, refers to commercial banks that have obtained the qualification of overseas wealth management on behalf of customers. In short, QDII RMB wealth management products are the assets of customers who entrust their RMB funds to qualified commercial banks, which convert RMB funds into US dollars, directly make overseas investments, and convert US dollar earnings and principal into RMB after maturity.

1. If the working day is the expiration date: it is generally the same day of the account;

2. If it is a holiday, it is the due date: it is usually the first day after the rest day.

Features of CCB's wealth management products:

The minimum investment threshold is 50,000 yuan, which is down-to-earth and has a relatively high rate of return. (It should have been changed to 10,000 now).

2.Zero-life redemption products are more distinctive. Among the five major banks, CCB has the highest daily salary premium (daily) type of product series. Chain fierce.

3.The investment threshold of different products is quite different, and there are products with higher yields for high-net-worth customers of more than 100,000 yuan, which are more attractive to high-end wealth management customers.

4.There are relatively many types of products, and the mainstream products are non-principal-guaranteed Qianyuan series.

5.Personalized, differentiated product design thinking is prominent. There are obvious differences in the expected rate of return of products through different investment channels, and there are special wealth management products exclusive to online banking and mobile banking.

6.The idea of regional differentiation is not emerging. There are basically no regional differences, and most of the products are sold in branches in various provinces and cities.

For details, please refer to: the official website of China Construction Shed Rolling Bridge Bank.