1. Time deposit. After the bank time deposit expires, the user can withdraw the principal and interest by himself.

2. The interest rate of current deposit is lower, but there will be some interest every day, just less.

3. Yu 'ebao, Alipay's Yu 'ebao is a monetary fund with guaranteed capital and interest.

4. Small change pass, when the funds are put into the small change pass and not used, the income can be automatically obtained.

5. Capital-guaranteed wealth management products issued by banks, such as 6906 and 8 136 of China Merchants Bank, are available in all major banks.

Financial products are products designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into the relevant financial markets according to the product contracts, and the relevant financial products are purchased, and the investment income is distributed to investors according to the contract.

The China Banking Regulatory Commission issued the Interim Measures for the Management of the Sales of Wealth Management Products of Wealth Management Companies, which strengthened the management of the sales process of wealth management products, clarified a number of prohibited acts in the sales process of wealth management products, and effectively protected the legitimate rights and interests of investors. These Measures shall come into force on June 27th, 20021year.

national debt

There are many varieties in the national debt market, and investors have many choices. New attempts and reforms have also been made in the way of issuing national debt, which further improves the marketization level of national debt issuance and minimizes the interference of non-marketization factors. In addition, the secondary market of national debt will also become the development focus in 20 13 years. It can be seen that this series of innovative actions of national debt will certainly bring more investment choices and greater profit space for investors.

bond

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.

foreign exchange

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.