According to the standard explanation, it should be a capital investment and management plan that a commercial bank develops, designs and sells for a specific target customer group based on analysis and research of potential target customer groups. In the investment method of financial products, the bank only accepts the authorization of the customer to manage funds, and the investment income and risks are borne by the customer or the customer and the bank in accordance with the agreement. Generally, based on whether the principal and income are guaranteed, we divide bank financial products into three categories: capital-guaranteed fixed-income products, capital-guaranteed floating-income products, and non-capital-guaranteed floating-income products. In addition, according to different investment methods and directions, new stock subscription products, bank-trust cooperation products, QDII products, structured products, etc. are also statements we often hear and see.

If the investment direction is linked to stocks, there will be a positive correlation between the rise and fall. The type and structure of the investment stocks determine the degree of correlation. For example, new stock subscription products, the performance after the issuance of new stocks will directly affect such products. Income from financial management;

Investments in other directions that are not related to stocks will also have a certain relationship with stocks. For example, financial management products that invest in bonds have a certain negative correlation with stock prices (of course, they are also affected by many other factors. factors).