How about the wealth management platform? How about bank loan management? Which bank loan is better?

From the perspective of security, there is a filing license and a bank depository; From the background, there is a state-owned background; As can be seen from the above, this platform is still good, and judging from the information disclosed, it is also very responsive to the policy, updated in a timely manner, and quite stable and reliable.

If you need to invest in wealth management, recommend ABC wealth management products, and purchase ABC wealth management products according to your own investment preferences, risk tolerance, capital liquidity, etc., you can enter the homepage of China Merchants Bank, click "Personal Service-Investment and Wealth Management-Bank Wealth Management", and filter the product information you need according to your needs.

Since May 27, 2016, the personal online banking and palm banking channel "Kuaiyibao" has been renamed as "ABC Kuaiebao", and the contracted product has been changed to "ABC Dividend Daily Settlement A (000907)", and the contract is signed with the first business, that is, the first business is signed at the same time, and the functions of regular investment, intelligent regular investment, combination, and quick redemption are opened.

The new product supports T+0 real-time redemption, daily settlement of income, and supports the setting of automatic balance transfer, linked credit card and personal loan transfer, and the minimum value of the minimum retention amount is 100 yuan.

The counter contract is still the old "Kuaiyibao", and you need to terminate the old product before you can sign the new product "ABC Kuaiyi eBao".

How to set up the quick e-treasure business in the personal palm bank: enter the personal palm bank, select "Investment" - "ABC fast e-treasure", and click the setting icon in the upper right corner of the home page to enter the setting homepage. You can cancel the contract of "ABC Express e-Bao", change the bound mobile phone number, enable the automatic transfer in of the balance of the closed balance, and turn off the automatic transfer out.

[Key points].

Which bank loan is better?

The China Banking Association (CBA) has released an authoritative report on the evaluation system and results of the comprehensive financial management ability of commercial banks. In this evaluation, which includes six aspects of capabilities, it is clear that state-owned and major joint-stock banks are superior in terms of comprehensive financial management, market performance, and risk control. For example, in the evaluation of "comprehensive financial management ability", state-owned banks occupy three seats in the top five, joint-stock banks occupy two seats, and Industrial and Commercial Bank of China and China Merchants Bank, as representatives of the two camps, rank first and second respectively.

In the two important evaluations of "risk control ability" and "market performance", ,、、 ranked first to fifth respectively in "risk control ability", while in "market performance", the top five were ICBC, Bank of China, China Construction Bank, Agricultural Bank of China and China Merchants Bank.

But when it comes to innovation, joint-stock banks are tough. In this evaluation of "business innovation", the champion and the top position are occupied by two joint-stock banks - China Merchants Bank; In the contest of "product innovation", joint-stock banks once again showed strong strength, the champion became Everbright Bank, and China Merchants Bank became the runner-up.

As a smaller camp, urban commercial banks and rural commercial banks have also performed well in this national evaluation and have made great breakthroughs. According to the report, five city commercial banks, including Beijing, Bohai, Baoshang, Nanjing and Shanghai, have all entered the top 20 in terms of "comprehensive financial management ability".

1. Alipay.

In addition to being used for payment, Alipay's financial management function is recognized by most users. Among them, Yu'e Bao's cash management service has made most users aware of currency products, thus making currency products a mainstream investment method. It is worth mentioning that there are many wealth management products on Alipay.

The wealth management function of WeChat wallet is divided into change pass and wealth management pass, change pass is mainly connected with currency products, and wealth management pass is Tencent's official wealth management platform, which can provide you with **, insurance and other financial products. As a well-known large company, everyone can rest assured that they can invest and manage their finances on WeChat.

3. JD Finance.

East Finance is now operating independently, but relying on the brand benefits of JD.com, there are a lot of users. In addition to providing users with conventional ** and insurance products, wealth management products in cooperation with banks are very popular.

4. Ant Financial.

Founded in 2014, Ant Financial is committed to building an open and shared credit system and financial service platform through technological innovation, and ultimately providing a safe and reliable financial service product to consumers around the world.

5. Wallet. The wallet belongs to Beijing Baifubao Technology****, is a payment application and service platform that can provide super transfer, payment, payment, recharge and other payment services, and has done quite well on the issue of product value-added.

There are three things to look at when doing financial management: income, safety and liquidity. From these three points, compared with other financial channels, bank financial management is not very good.

Most of the bank wealth management is the distribution of products and derivatives of financial institutions such as **, **, trust, insurance, secondary market, etc., and the income of these products and derivatives is not high, and the bank also charges investors custody fees, sales fees (that is, agency fees) and management fees (more than expected by the bank), so that the remaining income to investors is not much, generally only about 6%, unable to resist inflation.

From the point of view of security, the wealth management products of the bank are relatively safe, and the risk level wealth management products from R1 to R4 can guarantee the principal, but the CBRC still stipulates that the wealth management business cannot promise to guarantee the principal and interest except for deposits, because as long as the investment is risky, the bank has the responsibility to reveal any potential risks to consumers. A small number of smaller commercial banks, such as city commercial banks, will say in their risk disclosure that they can guarantee principal and income in order to attract investors, which is against the rules. But one thing you have to know is that the bank will write in the risk disclosure book in the answer, and the risk is borne by the investor himself.

The liquidity is obvious to all, the bank cannot be redeemed in the middle of the financial management, and it needs a liquidation period such as the fundraising period and the redemption period, which does not give investors a return, and the bank uses your money in vain. I have a colleague who works in a bank for money management, and the agreement says T+1 redemption, but it takes a week for Lao San to get the money back.

To be honest, the bank's wealth management products are not good, they are all self-financing, and they are not as good as the bank's.