This new financial management regulation will reduce the sales threshold of bank public financing products from 50,000 yuan to 1 10,000 yuan. The so-called public wealth management products are those that banks usually issue. After the implementation of the new regulations, I believe many people will return to the embrace of bank financing, so you can look forward to it.
Interpretation 2: Bank wealth management products cannot directly buy stocks.
In the opinion draft, there are still no restrictions on investing in stocks for public wealth management products, but the restrictions may be lifted in the future.
Interpretation 3: Negative list of investment in wealth management products
Bank wealth management products may not directly or indirectly invest in wealth management products issued by the Bank or other banking financial institutions, that is, the funds of wealth management products may not be used to purchase other wealth management products.
Interpretation 4: net worth management
Wealth management products are required to implement net worth management, which means that wealth management products will not have expected returns in the future, but their net worth will fluctuate and change every day like a fund, with ups and downs.
Of course, this does not mean that there will be a loss. For example, it fell by 0. 1 today and rose by 0. 15 the day after tomorrow. Generally speaking, it will still rise, but the risks really have to be borne by investors themselves.
Interpretation 5: Can't publicize the expected rate of return
This article is a supplement to the previous one. In the future, when selling wealth management products, banks cannot publicize or promise to guarantee the income, nor can they publicize the expected rate of return of wealth management products. In fact, there are many online outlets, and many salesmen have assured investors that their products will not lose money, so they can't do this in the future.
The above is about the sharing of changes in bank financial management, and I give it to you, hoping to help you with your financial management!