Bank wealth management products, contract related matters, please do me a favor if you know, thank y

This wealth management product is a wealth management product that guarantees the principal and minimum returns. That is, on the basis of capital protection, you are guaranteed to receive income for one year. In the worst-case scenario, then, on the premise of guaranteeing the minimum return, if there is an excess, there is no cap.

For such financial products, special attention should be paid to:

According to the experience of banks in designing wealth management products, generally since the principal and minimum return are guaranteed to you, the excess return is estimated not to give you all the investment income, and the bank or investment consultant and other institutions may withdraw a considerable part of the excess return commission. In other words, there is a good chance that a large part of the excess returns earned by handing over your funds to banks or investment advisors will go to the commission, and you will only have a portion of it. So you have to look at the specific income calculation formula, look at the excess to you, according to the previous years' **market** and the judgment of the future, how much can it be, is the comprehensive income much higher than that of time deposits?

If it is expected to be similar to a fixed deposit, there is no need to do this at all. Because after all, the return he guarantees is lower than the return on the fixed deposit.

Look at whether there is a guaranteed return, see how the dividend is calculated, and see if there is any hint that you may be at risk.

Low risk and low return, you look at it is mainly invested in **, if it is a one-year you might as well direct one-year time deposit, are higher than your minimum return, now this **, few financial products are risk-free, and the yield is high. If you buy it, the contracts are all form contracts, so you should focus on the risk warning.

Look for a note in the contract that guarantees the principal and returns. If so, it doesn't matter. What the bank says can be found in the contract, and nothing else should be paid attention to. Take a look at the disclaimer.

The wealth management services provided by ICBC for the "Elite Management Account" customers and friends banquet include: scheduled periodic transfer, agreed amount transfer, interest-free overdraft of the basic account of the "Elite Management Account" card on the same day, appointment for business processing, appointment for the purchase of ** (bonds), provision of various financial information, interest rate and other risk change reminders, and opening credit certificates. Customers only need to fill in the "Application Form for Wealth Management Agreement" at the wealth management outlets of the Bank and submit an application for relevant services, and then they can sign the wealth management agreement and obtain the corresponding financial services.

Answer]: b, c, e

Article 40 of the Interim Measures for the Administration of Personal Wealth Management Business of Commercial Banks stipulates that the appropriate communication and introduction materials of commercial banks' wealth management plans shall include the disclosure of the risks of Xizen products and express them in eye-catching and popular words; For non-guaranteed financial management plans, before signing a contract with the customer, the calculation data, calculation method and main basis for the calculation of the expected rate of return of the financial plan should be provided.