The launch of the financial night market is mainly to encourage investors to use online banking. Buying wealth management products through online banking, on the one hand, saves the bank's labor costs, on the other hand, it also conforms to the living habits of most customers. At present, China Merchants Bank, China Everbright Bank and other banks have launched financial night markets.
2. Another feature of wealth management night market is that the income is higher than that of counters and general online banking wealth management products.
The income of wealth management night market products is indeed higher than that of counter or general online banking wealth management products. For example, a bank's "wealth management night market" product has an initial subscription amount of 50,000 yuan, an operation period of 49 days and an expected annualized income of 4.7%. The general wealth management products purchased through online banking or wealth management products purchased over the counter with annualized income of 4.7% will cost 500,000 yuan, which will become an insurmountable task for investors with little cash. Similarly, if you buy a wealth management product with an initial amount of 50,000 yuan through online banking or over the counter, the expected annualized income is only 4.6%, and the operation period is 77 days. Ping Zeng introduced that the products of "Wealth Management Night Market" will have a collection period of 3-5 days. According to past experience, on the first day of the opening of the "Financial Night Market", the quota will basically be robbed. Therefore, investors are advised to pay attention to the relevant information of the bank at any time, make an appointment for products on the first day of opening, and ensure that the account amount is sufficient within the deduction day in order to successfully purchase.
From the successful appointment to the successful deduction, the amount in the investor's personal account is still valid, and the interest is calculated according to the current interest every day. During this period, investors can also reasonably control their personal funds. After the successful deduction, the product operation is started, that is, the closed operation, and the funds cannot be withdrawn at will.
Although the products of wealth management night market are very popular, investors still have to buy according to their risk tolerance. The target of night market wealth management products determines the degree of risk of products. For example, the risk of investing in government bonds and central bank bills is relatively low, while the risk of investing in credit assets or trust plans is relatively high. Investors are advised to invest rationally when snapping up night market wealth management products.