Products suitable for microfinance are:
1, Monetary Fund
For example, Yu 'ebao, Bitong, Huaxia Currency A and so on. Money funds can generally be purchased at 0.0 1 yuan, and there is no subscription fee and redemption fee. The income is stable and the risk is small.
2. Bank current wealth management products
For example, the open products of China Construction Bank's Win-Win Daily, the seasonal redemption open products of Zhonghui Daily, and China Merchants Bank's Chaochaobao have very low thresholds, and 1 yuan can be purchased and redeemed at any time, so the risk is relatively low.
3. Reverse repurchase of government bonds
The essence of reverse repurchase of government bonds is short-term loans. Individuals borrow their own funds to obtain fixed interest income through the national debt repurchase market, and the risk is low, and the threshold is 1 000 yuan.
4. National debt
National debt is a bond issued on the basis of national credit. The risk is basically zero, the income is relatively stable, and the threshold is low, starting from 100 yuan, but it is too hot and generally needs to be snapped up.
5. Convertible bonds
Convertible bonds are different from national debt. They are generally a kind of bonds issued by listed companies for financing. They have the dual attributes of bonds and stocks. When issuing convertible bonds, investors can buy them. Generally, the winner is 1000 yuan, with low threshold and much lower risk than the stock.
6. Interbank certificates of deposit
It refers to the time deposit certificate issued by deposit-taking financial institutions in the interbank market, which has low risk and can be withdrawn after deposit funds are deposited for more than 7 days. For example, ICBC Wealth Management issued interbank deposit certificates of 1 yuan for purchase, and BOC Wealth Management even had products of 0.0 1 yuan for purchase.
7. Interbank Deposit Certificate Index Fund
80% of the fund's assets are invested in interbank deposit certificates, and most of the rest are invested in various short-term debts. The risk is low and the income is relatively stable. Its rate of return is slightly higher than that of the money fund, which is a stable investment. The investment threshold is low, and you can buy it at 100 yuan. The rate is low, generally 0 subscription fee, and redemption fee is exempted for holding for more than 7 days.
To sum up, products suitable for microfinance, such as money funds, bank demand wealth management products, reverse repurchase of government bonds, government bonds, convertible bonds, interbank deposit certificates, interbank deposit certificate index funds, etc. It is also more reliable.