How Many People Can Often Understand A Bank Financial Manager?

There are many kinds of bank financial products, and the products of different banks are not the same. Investors often rely on their own research to get twice the result with half the effort.

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However, financial managers have their own positions and interests. For their recommendation, introduction and interpretation, investors need to distinguish clearly.

Melt 360 small compiling to analyze 4 sentences that bank financing managers often say when they sell products, to help everyone avoid making mistakes or even being cheated.

1. "although this is a non guaranteed floating income financial product, it can basically achieve capital preservation."

To understand this sentence, we must first understand that "non guaranteed floating income financial products" refer to the financial products that commercial banks pay to customers according to the agreed conditions and actual investment returns, and do not guarantee the safety of customers' principal.

That is to say, this kind of financial product does not guarantee revenue, even the principal is not guaranteed.

Although financial managers dare to say that "virtually all of them can be guaranteed capital", investors must be aware of their risks and not risk them blindly.

Financial products are classified into guaranteed revenue products and non guaranteed financial products.

The financial products with guaranteed earnings are divided into fixed income financial products and floating income financial products with the lowest income. Non guaranteed revenue management is divided into guaranteed floating income, financial products and non guaranteed floating income financial products.

In contrast, the risk of "non guaranteed floating income financial products" is the highest in this case.

What is meant by "expected rate of return"? It refers to the income that banks consider to be possible under the "normal" market trend. It is a theoretical yield rather than the yield that the product has reached, and is not the actual yield of the investor after the product is expired.

No matter how the expected rate of return of financial managers is "reliable", investors should not be credulous.

A more reliable way of judging is to see the asset allocation and investment direction of the product.

For example, if a financial manager claims that the expected rate of return of net worth financial products is the actual yield, he will mostly start the "huff" mode.

Even fixed income financial products, its expected rate of return may not be 100% reliable.

Generally speaking, when investors purchase the bank's guaranteed fixed income products, they will receive fixed income at maturity, and the investment risk will be borne by the banks.

However, regulators stipulate that banks can not commit unconditionally to fixed income, so banks have the right to terminate products at a specified time or under certain conditions.

Of course, the risk of such risks is low.

3. "this product is only targeted at customers with high risk tolerance, so you need to fill in the highest options for all your risk rating."

Investors should accept risks before buying financial products.

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For bank financial products, the main risks are liquidity risk, interest rate and inflation risk, credit risk, market risk and so on.

Correspondingly, the risk bearing ability of investors can be divided into 5 levels from weak to strong: conservative, profitable, steady, aggressive and aggressive.

Some financial managers will recommend aggressive financial products to conservative investors for their own interests.

It is suggested that investors should take risk grading seriously and respect the results and choose suitable financial products.

Because the risk bearing ability of investors depends not only on the psychological endurance ability of investors, but also on the actual risk bearing ability of investors' income and asset allocation.

4. "a certain financial product is sold by our bank for a company, but it has no difference from the bank's own financial products."

No difference? Of course there is a difference. Many of the victims of the "Fei Shan" incident are those who have listened to this kind of lies and suffered heavy losses.

The financial products sold by banks are designed, invested and managed by other financial institutions. Commercial banks only undertake the functions of selecting, accessing, promoting products, selling products and collecting funds for third party products.

That is to say, once those financial institutions have problems, banks will be irresponsible.

How to identify what is bought at a bank?

Is it a consignment? It is a simple way to share with the 360 Xiaobian: see the product description of the financial product.

If it is a bank's own financial product, it is often listed in the column of "investment management team" or "participant" column that it has the words "a certain bank branch" or "a certain bank's head office".