What is the difference between Minsheng Bank s in sale wealth management and exclusive wealth manage

Introduction to Exclusive Wealth Management Business: Exclusive wealth management refers to the exclusive wealth management products offered to specific customers, which are different from ordinary wealth management products in terms of yield, product term, purchase channels, etc. Such as:

Exclusive wealth management for private banking, exclusive wealth management for mobile banking, exclusive wealth management for new customers, exclusive wealth management for direct banking, etc. Tips: If you can see the exclusive wealth management through electronic channels (mobile banking, online banking), they are all financial products that support your purchase.

Exclusive wealth management refers to the exclusive management products offered to specific customers, which are different from ordinary wealth management products in terms of yield, product term, purchase channels, etc. Such as: private banking exclusive wealth management, mobile banking exclusive wealth management, new customer exclusive wealth management, direct banking exclusive wealth management, etc.

Note: If you can see the exclusive wealth management through electronic channels (mobile banking, online banking), they are all financial products that support purchase.

The so-called exclusive wealth management of online banking is simply limited to the wealth management products that are only sold exclusively by online banking, and are not sold through branch channels. Minsheng U Bao series of exclusive wealth management products for online banking, customers can enjoy the convenience and speed of online banking, and at the same time, they can also obtain higher returns than the same type of products over the counter in the same period. Customers only need to have a debit card of Minsheng Bank, open personal online banking, and click "Wealth Management Product Service" after logging in to purchase**.

Hope it works for you, hope.

Many young investors or elderly people go to the bank to buyWealth management productsWhen the second monk can't figure his head, there will be some feeling that the second monk can't figure his head。The reason is very simple, there are many wealth management products in banks, and they are divided into wealth management products operated by banks and wealth management products sold by banks.

The seller is different, we go to a certain bank to buy their own wealth management products, then the seller is this bank or the ** company of this bank.

I'm sure everyone should be able to understand this, right? So if it is a wealth management product distributed by a bank, then its seller is another insurance company or a ** company, that is to say, this insurance company or ** company is just renting a bank counter or location for sales.

The bank is only a third party, if you have a dispute with the insurance company or ** company, the bank as a third party will not be dominantly liable. However, if it is a self-operated wealth management product, then the bank will contact you directly, and the seller will enjoy different services.

The threshold is differentWhen we go to the bank to buy a bank's proprietary products, their purchase threshold is relatively low, and many people will sign a risk agreement when buying wealth management products.

In this risk agreement, buyers will be divided into 369 and so on, such as conservative, investment, active, moderate investors.

According to what type of investor you are, recommend some financial products suitable for you, banks generally classify buyers as conservative investors in self-operated financial products, so he recommends financial products to you, the risk will be smaller, but the income will be relatively weaker, and there are some high-risk ** companies or high-risk insurance is set with a professional threshold, if you are a conservative investor, you have no way to buy these financial products.

This is also the biggest difference between banks that operate their own wealth management products and those that sell wealth management products on behalf of them, that is, the threshold for banks that operate their own wealth management products is relatively low. The requirements for investors are not so high, because the risk of the wealth management products they launch is relatively low.

The team and the investment direction are not the same, the team of the bank's self-operated wealth management products is generally composed of some experienced investment talents, and most of their investment directions are **bonds or relatively low risk**, so the purchase of bank-operated wealth management products is still that sentence, the risk is relatively small, because the risk of their own investment is relatively small.

The investment direction and team of the wealth management products distributed by banks are almost fundamentally different from those of banks. In addition, I would like to give you a suggestion that when buying wealth management products, you must not blindly listen to the opinions of others, but first understand the characteristics and types of each product, and then decide whether to invest.

Wealth management products operated by banks are generally wealth management products issued by the Bank, and the issuer is the product issuance department of the head office of the bank itself. The wealth management products distributed by the bank are generally the first to sell the products issued by other financial institutions, and the bank itself is only the first sales agency to earn the agency handling fee.

First of all, there is a clear difference in the quality assurance of products, and the consignment will generally not guarantee the quality, while the self-sold ones must be responsible for quality assurance. Under normal circumstances, self-operated wealth management products are fixed, the risk is relatively low, and the return is of course relatively low, while the risk of the wealth management products distributed by the agency is generally relatively high, and of course the income is relatively high.

Bank-operated products are issued by banks, and the risks are borne by banks, which are relatively low risks and low thresholds. The products sold on behalf of the company are often more risky, and they are issued by enterprises, and the bank is only a middleman, the threshold will be higher, and there will be certain requirements for the amount of participation.

The reliability is different, the issuer is different, the interest party is different, the income is different, and the risk responsibility is different, which can be carefully understood.

Risk tolerance is not the same. The risk of proprietary bank products is particularly low, and losses are rare. The wealth management products sold on behalf of the company are particularly risky, and they are also prone to losses.

The difference between bank agency wealth management and self-operated wealth management.

How about the wealth management products of Minsheng Bank in 2016? Bank wealth management products, because there is a bank as a guarantee, so relatively speaking, the safety factor is still relatively high. Many friends are asking how about Minsheng Bank's wealth management products? Below, I will give you a brief introduction.

According to the official website of Minsheng Bank, the wealth management products currently on sale in Minsheng Bank are Extraordinary Asset Management, Tianyi Gold, Cuizhu Series, Zhiying Series, Profit Increase Series and Net Value Series. They are all non-principal-guaranteed floating expected annualized expected return wealth management products. Minsheng Bank's wealth management products mainly include asset management wealth management products, asset pool wealth management products and transaction wealth management products.

What are the characteristics of CMBC's wealth management products in 2016?

1. Rich varieties and diverse choices.

Minsheng Bank's wealth management products are available in a variety of currencies, including RMB, USD, EUR, HKD and AUD. In order to risk risk, wealth management products invest in a wide range of products, involving money market, credit market, capital market, foreign exchange market, commodity market and other financial market products and instruments; Principal-protected and non-principal-protected wealth management products are optional.

2. The expected annualized expected return is stable.

Minsheng Bank's product issuance and listing have undergone relatively strict risk review to protect the rights and interests of investors to the greatest extent.

3. Flexible term.

Minsheng Bank's wealth management products have flexible investment periods, and there are open-ended wealth management varieties: one-week and bi-weekly open-ended products; Short- and medium-term wealth management products: 35-day, bi-monthly, 3-month, and 6-month wealth management products; Medium and long-term financial products:

Wealth management products with a maturity of more than 1 year for 9 months, 12 months and more than 1 year.

Reminders: When purchasing a wealth management product at a bank, please read the product manual carefully to identify whether it is a bank wealth management product. Not all the wealth management products sold in banks are bank wealth management products, in addition to the products developed by banks, banks will also sell products from other financial institutions.

**The quota shown on generally refers to the remaining quota;

Remaining amount: refers to the total amount of the purchase amount minus the amount that has been purchased; If the remaining quota (referred to as the quota) is zero, it means that this wealth management product has been snapped up, and although it has not yet been established, it can no longer be purchased;

If someone redeems it sometimes, there will be a small amount left, and if necessary, it can be snapped up in time;

Under normal circumstances, the wealth management products that are used up before the product is established and the quota is used up are all products with relatively high returns, and sometimes they are sold out before they arrive in one day! Therefore, if you want to buy, you should prepare in advance, for example: estimate the income loss before and after the vacancy period (interest is calculated only according to the current account) to see if it is cost-effective; Early transfer of funds, early purchase, etc.

Minsheng Bank's wealth management products are still good, both income and safety are good, it should be noted that: to buy the wealth management products issued by the bank itself, do not buy the wealth management products issued by the bank on behalf of the bank; The second is to buy wealth management products with a risk level of level 2 (including level 2), and the annual income and principal of such products are guaranteed.

In the end, it is rich and dangerous! Those high-yield and high-risk wealth management products do not guarantee principal and return. Then consider your risk tolerance!

Buy bank wealth management products, you must avoid this pit.

The main products of Minsheng Bank are the wealth management products of Minsheng Bank, including Qian Shengqian A, Qian Shengqian B, Extraordinary Wealth Management and Rabbit Financial Services, Qian Shengqian A is a multi-card account provided for Minsheng debit card individual main cardholders, and Qian Shengqian B is a value-added service provided by Minsheng Bank for customers who have foreign currency idle funds and are difficult to determine the deposit period, and Extraordinary Wealth Management can provide suitable wealth management products for each customer. Rabbit Financial has a relatively high annualized return.

The yield of CMBC's wealth management products is relatively high, and the yield is in the middle and upper position among the products issued in the same period. However, it should also be reminded that the bank's wealth management products are affected by the market environment and also have certain risks, so investors should be cautious when choosing products.

Hello, according to your description, you can't judge what difficulties you encounter, if you have any questions about handling Minsheng Bank, please call 95568 to transfer to customer service specialists for consultation.

There are a wide variety of wealth management products in our bank.

1.By Product Type:

Daily: Sky Wealth Management; Regular open type: Cuizhu series financial management; Closed-ended: profit-increasing series of financial management; Income-based: increase daily wealth management; Net worth: Zhiying, Ruiying financial management.

2.By Earnings Type:

Non-principal-protected wealth management and principal-protected wealth management. Guaranteed principal and income: such as Anying series of financial management; Principal-protected floating income: such as Juying series wealth management and small-amount structured structured deposits linked to interest rates.

3.By Sale:

Corporate finance and personal finance. (Personal financial management, such as: customized financial management, new customer financial management, VIP exclusive financial management, regional financial management, private banking financial management, etc.).

4.By Issuing Currency:

RMB wealth management, USD wealth management and Hong Kong dollar wealth management, etc.

Tips: In order to facilitate your quick inquiry and purchase of wealth management products, our official website, mobile banking, online banking, and WeChat banking have opened wealth management supermarkets, if you need help, you can enter "manual service" below or call 95568 to transfer manual consultation.