The five major bank financial products, Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, and Bank of Communications, each have their own characteristics, and investors need to choose appropriate bank financial products according to their own requirements.

1. Bank of China Bank of China’s wealth management products can be roughly divided into 4 product series: BOC Wealth Creation, BOC Stable Wealth, BOC Jifu and BOC Bond Wealth. Among them, BOC Jifu product series investment The requirements are low, with a starting investment of 50,000 yuan. The investment period is different, and the rate of return is also different. The minimum investment requirements for BOC Wenfu and BOC Bond Wealth series financial products are both RMB 100,000. The return rate of Bank of China's financial management products can only be considered at a medium level, and investors who yearn for high returns are not suitable for this type of financial management products.

2. China Construction Bank Construction Bank has many types of financial products. The main product is the non-guaranteed Qianyuan series. The investment requirement is as low as 50,000 yuan, and the rate of return is relatively high. And for products worth 100,000 yuan, Investors who are motivated also have product choices with higher returns. For those who have a lot of spare assets or who like to make risky investments, China Construction Bank's financial products are also a good choice.

3. Industrial and Commercial Bank of China’s wealth management products can be roughly divided into ICBC Link Express, principal guaranteed and stable profit, personal profit increase and other products. The three types of wealth management products are all 50,000 yuan. Starting from purchase, its main products are only ICBC Wealth Series membership promotion financial products that are only available to customers in some regions. Therefore, when choosing ICBC financial products, investors must carefully analyze the characteristics of different types of financial products for their investment requirements.

4. China Shusong Agricultural Bank of China's Agricultural Bank of China's financial products mainly include 4 series: Anxin Deli, Benlifeng, Huilifeng, and Anxinkuai. The minimum purchase price is usually 50,000 yuan. Its product expectations The yield rate is low. Among them, the Anxin Deli series of financial products vary according to the region, and the products sold are different. Moreover, there is not much difference in the return rate of different investment methods of Agricultural Bank of China's financial products, which is suitable for prudent investors who do not have large requirements for cross-currency assets.

5. Bank of Communications Bank of Communications financial management products can be mainly divided into Bank of Communications Tianli series, Ward Tianli series, and Private Banking Premium series. The minimum purchase requirements are different. Bank of Communications Tianli product series The minimum purchase price is RMB 50,000, the Ward Tianli Series has a minimum purchase price of RMB 100,000, and the Private Banking Premium Series has a minimum purchase price of RMB 500,000. The estimated annual return rate is between 4.25% and 4.8%, which is a medium rate of return and is suitable for those with a large number of investors. Investors in spare assets. However, Bank of Communications also has financial products with higher returns, which are particularly suitable for high-end groups to carry out financial investments.