Bank Financing Is Not Mediocre. Financial Planners Teach You To Choose Financial Products.

< p > < < a href= > http://www.91se91.com/ > > the Bank of China < /a > Industry Association financial services Specialized Committee report shows that as of the end of 2013 9, the scale of bank financing in China has been close to 10 trillion yuan, becoming the most important force in many domestic investment varieties.

In many financial investment channels, bank financial products are a kind of investment that can better balance security, liquidity and profitability.

It is this balance that enables investors to gain profits steadily without losing liquidity. This is also the charm of its "golden mean" but "indifference".

There are tricks for choosing products. At present, there are a lot of bank financial products in the market. As ordinary investors, how should they choose financial products suitable for their own? Usually, buying products from banks will get a financial product manual. By understanding the contents of this specification, we can roughly judge whether the financial product is suitable for itself.

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< p > Take Agricultural Bank's financial product manual as an example, the bank's financial product specification format is basically the same, and the top of the bank will highlight the product structure and duration.

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< p > a product is shown as "guaranteed capital guaranteed income". It shows that after the expiration of the product, it can guarantee 100% principal security and achieve the corresponding annual yield.

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< p > there will be a large form in the product manual, and the important elements of the product will be listed on it (as shown in Figure 1).

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< p > Product Risk Rating: before the first purchase of financial products, a professional risk assessment is required. Investors must choose financial products matching their own risk levels (as shown in Figure 2).

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< p > Product Type: < a href= "http://www.91se91.com/" > bank financial products < /a > is broadly divided into capital preservation, income protection, guaranteed floating income, non guaranteed floating income. If it is a guaranteed product, the worst case can also guarantee the principal when the product is due.

Duration of financial management: the subscription period of ABC's financial products usually has 35 days. Investors can buy financial products within this period. The date of interest and maturity of products reflect the financial management term of the product, that is, liquidity arrangement.

In addition to a small part of financial products, in general, most products can not be redeemed in advance, so in order to avoid cash demand in the investment period and can not be redeemed, investors should choose the corresponding financial products according to the investment period of the products.

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< p > > a href= "http://www.91se91.com/" > investment > /a > scope: product investment in bonds, money market, or credit assets determines the risk of return on products.

If it is invested in bonds and money, the overall risk is small; if the investment in the credit class, the uncertainty is more, then the risk is relatively high.

Therefore, investors need to choose carefully with some experience (as shown in Figure 3).

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To sum up, in the selection of financial products, besides the essential elements mentioned in the product brochures, there are many other details that need to be carefully read before formal purchase. P

Finally, it is a cliche: "financial management is not saving, investment is risky. Do not blindly chase high yield and ignore hidden risks."

2013 has passed. In 2014, the market of financial products that believed "moderation" but "mediocre" was still worth investors' expectation.

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