Have you ever bought a wealth management product at a bank?

I have been buying wealth management products in the Agricultural Bank of China, generally buying non-principal-guaranteed, the interest rate is relatively high, and the term is determined according to my own capital needs. Haven't had any problems yet. I am used to the Agricultural Bank, and it feels uncomfortable to use other banks.

I have bought it dozens of times, and it will arrive in the account on the same night after expiration, which is still relatively safe, but the income is getting lower and lower only four points. I also bought a bit of a United States gold interest rate high, but I don't know the bottom of my heart!

Five or six years ago, I bought the wealth management products of the Bank of China, and then the income decreased, I switched to buy the Baozunbao of Lufax, and now the Baozunbao is also declining, dividing out hundreds of thousands, part of which is purchased by the United National Fund, and part of which is invested in the acceptance bill.

Bought it. Non-guaranteed floating income, the four major banks are low (, the general joint-stock bank (, the city commercial bank is high, the yield can be said to be non-principal-guaranteed, and the bank has the credit to cover it, and the expected income can be achieved.

I have bought bank wealth management products, it has always been very stable, much higher than the bank's regular term, I bought non-principal-guaranteed, high interest, and can be cashed out after maturity.

I have never bought a wealth management product in a bank, so I don't have much money in the first place, and I don't need to manage it.

I haven't bought a wealth management product in a bank, maybe I don't pay attention to it, and I don't pay much attention to it.

I used to buy 10-year Treasury bonds in the bank, and now when I don't have money, I can only think that I will have money in a few years.

I once bought a wealth management product in the bank, and I think it's still good and worth buying.

I once bought a wealth management product in a bank, and I would choose to buy it with little return and low risk.

I haven't bought it because I'm still in the learning stage, and I don't need to buy those financial products yet.

I have never bought a wealth management product in a bank because I think the wealth management products are all deceiving us.

I have bought wealth management from Bank of China and Postal Bank, some with a half-year term and some with a one-year term, and they all pay the principal and interest on time, and there is no risk.

I have never bought a wealth management product in the bank, and I don't have enough money.

Before, the Agricultural Bank of China had about a profit and a profit, but then there was no change to buy a structured deposit for about 90 days, which was a low point, but the principal was guaranteed and the interest rate was raised! The local bank bought the baby class is also around. In short, there is nothing good to invest in before this is higher than the bank fixed deposit interest!

At the end of the year, I will lend the company about 100,000 yuan in January, and I am also stable!

I have been buying bank wealth management, until the 500,000 cap policy came out and canceled the wealth management products with the word "capital guaranteed" and the overwhelming news that "the money is stored in the bank", I transferred out a part of it to buy the products of the wealth management company, the income was very stable in the first two years, and the 2018-2019 reshuffle was crazy about the wealth and thunderstorm, and the hard work for decades once returned to the pre-liberation period (Pioneer Group - Internet Information Wealth Management, Wuxi Dongmeixin Investment ****, etc.). Invest in apartment buildings, good locations, and the houses are almost finished, but the developer has no money to finish. What can you believe now?

What else can I buy? **All fake! Now holding on to the remaining money, only the survival period and the death period, and dare not touch anything else?

Conservative, has been buying, higher than the bank rate, still credible, a few years old, has not made a mistake, I think it is credible.

Since I started buying last year, I always felt that financial management was risky, and I have bought many short-term ones, and I have not lost money, and I feel good.

Not long ago, I just bought some non-guaranteed ones, and I feel unsure, I can't help it, the currency is depreciating too fast.

The three-year Anbang Life Wealth Management I bought at the Postal Savings Bank is very good, and the principal and interest will be paid at the end of the three-year term! Very reputable!!

I've been buying in a small bank, and I've been buying it for three years, and it's okay, but will China and the United States lose money, I don't know?

I haven't bought any financial products because I don't think they're reliable.

In the past ten years, I have not deposited a fixed term, and they are all varieties of financial management and low risk, and the joint-stock banks have all cashed out.

I haven't bought it, but I've heard that it is possible to buy Treasury bonds and then come to the lowest risk.

There are risks in financial management, remember to take the materials, remember to record, and it is easy to do on the road to rights protection.

I have bought a wealth management product of a local bank, and the annual interest rate is about 180 days.

I have been buying, although the yield is not high, but it is higher than the deposit bank.

Guaranteed wealth management bought at the bank, income.

I think those who buy wealth management in the bank are novices.

Have bought a wealth management product (principal-protected) from a bank

Some of the bank's wealth management products are the bank's own, and some of them are just the distribution platform for the wealth management products launched by other financial institutions.

If you want to distinguish whether a wealth management product is owned by the bank or sold on behalf of the bank, you can distinguish it from the product name, product manager or issuer, and you can also look at the official seal on the product contract. In addition, most of the products in the bank's online banking or mobile banking are self-operated by the bank, and there will be wealth management products sold on behalf of the business counter.

Extended Information] Bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customer groups on the basis of analysis and research of potential target customer groups. In the investment method of wealth management products, the bank only accepts the authorization of the customer to manage the funds, and the investment income and risk are borne by the customer or the customer and the bank in accordance with the agreed method.

The Interim Measures for the Administration of Personal Wealth Management Business of Commercial Banks issued by the China Banking Regulatory Commission (CBRC) defines "personal financial management business" as "professional service activities such as financial analysis, financial planning, investment advisory, and asset management provided by commercial banks to individual customers". The personal wealth management business of commercial banks is divided into financial advisory services and comprehensive wealth management services according to the different management and operation modes. What we generally refer to as "bank wealth management products" actually refers to the comprehensive wealth management services.

On the 10th, it was learned from the China Banking Regulatory Commission that as of the end of November 2012, the balance of wealth management products of banking financial institutions in the country reached one trillion yuan.

Since its inception in 2005, the wealth management business of commercial banks has developed rapidly. In 2011, commercial banks issued a total of 10,000 wealth management products, and the balance of bank wealth management products at the end of 2011 was one trillion yuan.

According to the 2012 China Bankers Survey jointly released by the China Banking Association and PricewaterhouseCoopers, nearly eighty percent of bankers are supportive of the development of wealth management products. At the same time, the risks behind the rapid development of the wealth management product market have also attracted attention. of bankers believe that the large amount of off-balance sheet assets formed by wealth management products may have an impact on the asset quality and operational stability of banks.

Bankers believe that the development of wealth management products is an important practice for banks to transform from product-oriented to customer-oriented, and they are currently facing fierce competition from a variety of financial institutions, and need to continue to advance on the basis of balancing risks.