How banks make money through financial products

Can do** ** foreign exchange paper ** ** bonds etc and so on! A lot! See what wealth management products your bank has!

Minimal risk, but small benefit! **The risk is moderate, the benefits are considerable, and if you don't have professional knowledge, it's best to get a simulation on the Internet first**The software is also learned! Paper** personally feels that the risk is smaller than ** and the return is considerable Paper ** can be traded 24 hours a day You can buy it on the same day and sell it on the same day ** You can only sell it the next day And there are only 4 hours of trading time a day!

**Foreign exchange risk is larger, the threshold is higher, if there is no hundreds of thousands, don't consider it! There is also a greater risk of international ** spot trading 1 to 100 times needed If you make it once, you are a millionaire! Of course, if you lose, if the margin is not enough, you have to be a beggar gang leader!

Good luck with your investment

Unlike deposits, after you deposit the money you deposit, the bank will give you back when you withdraw the money, and you will also have to pay interest, and the deposit must be repaid compared to the money borrowed from you by the bank. But personal finance services are different, you entrust the bank to help you make money, even if you lose, you are responsible for it. Suppose that both funds are used to lend to the same company, and the company goes bankrupt, and the bank must advance back the deposited money; Money is not used for financial management, with the exception of capital preservation.

For this reason, the funds of wealth management will generally be invested in projects with higher risks and greater returns than deposit funds, and the dividends obtained from deducting the dividends to customers are the money earned by the bank.

Wealth management products are generally issued by ** companies, trust companies, they need to raise funds from the society, for **, equity or real estate investment, there will be an expected return, the bank can help them raise, equivalent to a middleman, extract a part of the income, simply put.

If the banking group makes money on loans, especially the state-owned banks have strong support from the state, you must know that the interest rate on loans is very high.

You can log in to online banking, there is a description on the homepage, mine is CCB.

Quite detailed.

When it comes to financial management, many people think that financial management is money to make money, such as buying a house, buying **, ** tickets, etc. In fact, these belong to the category of specialized financial management, but financial management in the strict sense, in fact, it is called wealth management, that is, scientific and reasonable planning of current and future resources, do a good job in family financial planning, and make a scientific diagnosis of family finances when managing finances, and prevent and control risks.

To put it bluntly, financial products are designed to help you make money. It is mainly through the fact that you invest your personal idle funds in some projects and hand them over to others to operate, and make money through the profits generated by this project.

I wanted to see it and leave, but I stopped.

He didn't like to drink medicine, but he drank it today for the sake of his body.

Investment is risky, choose the risk you can accept, I do the corresponding financial management, it is still good.

Some people think that the money lost by the bank is made by the bank, which can only be said to be partially correct.

Banks do want to make money from the wealth management products they manage, after all, it is not free and compulsory labor for banks to manage wealth management funds for investors. The way banks make money from wealth management products is to extract management fees, custody fees and sales service fees.

Since these fees are directly deducted from the net value of the wealth management product, and whether the wealth management product is profitable or loss-making, it is the same deduction, so if the bank loses money, at least part of the lost money is made by the bank in the form of extracting fees.

However, the fees that banks take from the net value of wealth management products are not very large.

For example, the management fee rate is about one year, the sales rate is about one year, and the hosting fee is only between one year. The sum of several expenses for this banquet is the highest in a year.

If the bank's wealth management loses more than its total rate, the lost money is not earned by the bank. If it wasn't earned by the bank, who was it?

If you want to know who made the money lost by bank wealth management, you must first know how the income of bank wealth management comes from.

Bank wealth management is different from bank deposits, depositing bank deposits is equivalent to depositors lending to banks, so the interest must also be paid by the bank, buying bank wealth management is that investors entrust their money to the bank to take care of, and then use the money to make investments, and distribute the money to investors after making money, and investors have to bear their own losses.

Therefore, if the bank loses money in financial management, in addition to the management fee charged by the bank, the others must be lost in the process of investment. And if the bank loses money in the investment, it must be earned by other investors.

As for who the other investors are, the scope is relatively wide. Because bank wealth management can invest in bonds, but also investment**, and there are other asset-backed **or credit**, so it is mainly involved in the same ** as bank wealth management investment, and it is possible that investors who make money lost in bank wealth management.

Of course, there is also the possibility that no one has earned any of this money. Because most bank wealth management has a certain period of time, if there is a loss before the expiration, it can only be regarded as a floating loss, not a real loss, as long as there is no loss after the expiration.

For example, a bank wealth management invests in a batch of bonds, these bonds can recover the principal and interest after maturity, as long as the bonds do not default, then the bank wealth management will not lose money when the bonds expire.

However, the bonds** of these bonds may fluctuate before they mature. If the ** of the bond appears, then the net value of the bank wealth management will appear**, but as long as the bank wealth management does not sell the bond at this time, there will be no real loss, and when the bond matures, the principal and interest will be recovered, so the floating loss will disappear.

If it's not a real loss, there is no one who made the money that was lost.

1. Conduct a risk assessment to see what kind of venture investor you are.

2. Classification of wealth management products: one is capital pool, also known as fixed income (the most obvious feature is the online banking version of wealth management products, such as indicating a certain 28 days.

46 days. 96 days.

365-day version) This financial product is the safest, and the expected income to customers can basically be achieved. Generally, this type of wealth management product is the one that logs in to personal online banking and chooses the wealth management with the lowest risk factor.

3. Classification of wealth management products: structured wealth management products are to invest the funds raised by customers in other financial instruments, such as **, foreign exchange, ** and other financial management, so its income is often the income of the interval rent, for example, for example, with the Shanghai and Shenzhen indices as the standard, the base of the day is 2000 points, the upper limit is 2200, the lower limit is 1800, and the annualized income obtained when it reaches 2200, vice versa, so you must be cautious in buying structured financial management!

Fourth, general balanced and conservative financial management customers are recommended to choose fixed income filial piety products, aggressive customers can choose structured financial management, of course, combined with the current economic situation to cut into the purchase, otherwise it is easier to touch the lower limit and reach the minimum return or even loss.

Fifth, finally, when buying wealth management products, you must ask the financial manager whether this is a fixed or structured financial product, what is the structurally linked financial derivative instrument, how to calculate the rate of return, and only when you have a comprehensive understanding of the financial products can you find a financial product that suits you.

Many people have the awareness of financial management and there are many people who are directly on the mobile phone ** bank app, can be operated anytime and anywhere, it is also very convenient, in fact, there are many types of bank wealth management products, different types of bank wealth management products are not the same way to make money, so how does bank wealth management make money? Can I make money if I buy it? Let's take a look!

In fact, the bank is just a distribution platform, and the ** you buy in the bank app are all over-the-counter**, and the specific way to make money is through**, ****, you will make money, ****, you will lose money, if the risk tolerance is low, it is recommended to buy currency**, this kind of ** basically will not lose the principal, and the income is relatively stable.

The second is bank deposits and wealth management products, there are fixed or wealth management products, these are time-limited, after you deposit money in the bank, the bank may lend money to the enterprise, so as to make money from it, the bank generally has an interest rate table or wealth management products are marked next year's interest rate, the higher the principal, the longer the deposit, then the more money you make.

Then some people may have questions about whether the bank's wealth management products can make money if you buy them, this is not necessarily, it depends on what financial products you buy and how the market is, for example, if you buy the bank's **** or hybrid**, you can make money, but you may also lose money.

For example, if it is a fixed or large amount of deposits, currency** and the like, this kind of income is generally relatively stable, basically the luck and command is not to lose the principal, basically you can make money by buying, the possibility of holding the loss of the principal for a long time is very small, but remember that any financial products are risky, but the degree of risk is different, not to say that 100% of the money is guaranteed.

1. How does financial management make money?

Wealth management generally refers to the income generated by using one's own principal to invest. In layman's terms, money makes money. For example, the purpose of making money is to buy **, **, creditor's rights and other financial projects, but it needs to be clear that if you want to make money through financial management, you must first have money to invest to make money, and you must pay attention to distinguish, branch potato investment is risky, and you need to be cautious when entering the industry.

Learn financial literacy first and arm your brain with knowledge. At the beginning of learning investment and financial management, we must learn the thinking of investment and financial management.

2. What are the wealth management products?

1. Bank deposits: all kinds of time or demand deposit services, all banks have automatic rollover services, lump sum deposits, and quasi-savings currency**: current savings.

Fractional deposit refers to: monthly fixed deposit, generally 5 yuan deposit, deposit period of one year, three years, five years, the amount of deposit by the depositor, deposit once a month, maturity withdrawal of principal and interest, the interest calculation method and the whole deposit fixed savings deposit interest calculation method is the same. If there is any missing deposit in the middle of the deposit, it needs to be made up in the next month, and if it is not replenished, the interest will be calculated according to the actual deposit amount and the actual deposit period when it is withdrawn at maturity, and the current interest rate announced by the People's Bank of China on the date of withdrawal.

Fractional deposit can be said to be a method of compulsory deposit, a fixed deposit of the same amount of money every month, and those who want not to be a "moonlight clan" can develop a good habit of "throttling" through this method.

2. All kinds of **. Currency ** is a kind of main investment in central bank bills, book-entry treasury bonds, financial bonds, agreement deposits and other stable financial products open-ended**, because it is not as open-ended as its Liang Chan He has subscription and redemption fees, so investors can treat it as "current savings", and Oak dust at any time to buy and redeem, from the issuance of redemption instructions to cash can generally take 2 to 3 working days.

3. ** or ** commonly known as direct investment"Stir-fry**"or"**"

4. Buying physical investment: such as buying **, or jewelry, or antiques, calligraphy and paintings, etc.

3. Risk coefficient of wealth management products.

1. Banking financial management: bank savings are not high, and the interest rate is low, so it can be directly ignored. However, the interest rate of bank wealth management products is generally between 4% and 6%, which is a good choice for prudent investors.

Pay attention to the difference between capital protection and non-capital protection of wealth management products, but even if the capital is not guaranteed, the probability of loss is still relatively low.

2. The risk of **:** varies depending on the type. (15%-30%)> Index** (10%-15%)> Bonds** (5%-10%)> Currencies** (4%-6%).

3. **: High risk but high return. Learn how to invest before investing. And hold it for a long time, because time will spread some of the risk. Warren Buffett said that holding a ** for at least 20 years.

Hello, glad for your question. How to make money through financial management, I will talk about my mountain model method from the following aspects.

One. Take the initiative to learn about financial literacy on your own. By reading books related to financial management, or through online channels, you can understand the different characteristics of different financial products such as bank deposits, **, **, etc. Accumulate financial knowledge and cultivate financial awareness.

Three. Correctly understand the relationship between benefits and risks. According to your own risk tolerance, choose the right financial products for investment.

Investing and managing money to make money is not something that can be completed overnight, and you need to lay a good foundation to go further.

The above is a personal opinion only. Hope mine is helpful to you.

Do a good job as a salaryman I passed 9 years to learn the fucai two-color ball to play noisy Don't touch the dust and hope that the short-term can learn investment and financial management is unrealistic Society is Shendan no one will help you or teach you to make money.