Wealth management products can generally be purchased through commercial banks or non-bank financial institutions. Traditional channels include banks, insurance companies, securities companies, futures companies and fund companies. Emerging channels include: third-party financial institutions and integrated financial service institutions. The bond market is unexpectedly hot. There are indications that the issuance of corporate bonds in 20 13 years may accelerate, such as corporate convertible bonds, floating interest rate bonds, bank subordinated debts, etc. Will become a good investment variety. In addition, the China Banking Regulatory Commission will include subordinated term debt in tier 2 capital to supplement the capital structure of commercial banks, which will make banks ready to issue bonds, which will once again add fuel to the fire in the bond market.
With the continuous decline of the exchange rate of the US dollar, more and more people have made a lot of money through personal foreign exchange transactions, and the foreign exchange market was once extremely hot. Various foreign exchange wealth management products have also been launched one after another, such as the foreign exchange of commercial banks, the foreign exchange treasure of China Bank and Agricultural Bank, and the American Express Huitong of China Construction Bank for investors to choose from. 20 13 China government will continue to adhere to the principle of RMB stability, and take measures such as linking RMB to foreign exchange and increasing the autonomy of enterprises in foreign exchange to promote the healthy development of the foreign exchange market. Therefore, according to expert analysis, the investment space and opportunities in the foreign exchange market will be even greater. Compared with the tepid insurance market, income insurance has been sought after by people once it is launched. Generally, there are many types of income insurance, which not only has the most basic protection function of insurance, but also can bring investors a lot of income, which can be described as a win-win situation for protection and investment. Therefore, the purchase of income insurance is expected to become a new hot spot for personal investment and financial management. Insurance is a financial umbrella, which allows families to hand over risks to insurance companies. Even in case of accidents, families can maintain their basic quality of life. Insurance investment may not be the most important in family investment activities, but it is the most necessary.