When many people buy wealth management products in banks, they will notice that the names of products are very interesting, such as dry profit type, dry profit exclusive type and dry profit OEM exclusive type; Bank of communications private bank enjoys 6 million bull sharks private silver gold 3 million bull sharks; Everbright Bank's private equity fund treasure-positive growth, current profit A and so on. Some of the names of these wealth management products indicate the investment time, some indicate the suitability for people, and some actually indicate the investment of bank wealth management products. I sorted out the investment scope of some bank wealth management products to reveal the investment direction of bank wealth management products.

Investment in bank wealth management products According to the Notice on Further Regulating the Investment Management of Personal Wealth Management Business of Commercial Banks issued by China Banking Regulatory Commission in 2009, the investment scope of bank wealth management products generally includes: fixed expected income wealth management products, trust loans, asset portfolios traded in public or private markets, financial derivatives or structured products, pooled fund trust plans, participation in new share subscription and overseas financial markets. For details, please refer to the original CBRC document.

Because the expected income and risk of bank wealth management products are different, we can judge the investment of specific products by combining the investment scope of wealth management products and bank wealth management.

On the whole, bonds, bank deposits and non-standard assets are the three major allocation assets of bank wealth management. Among them, some bank wealth management products with guaranteed capital are invested in bank deposits or low-risk money funds.

In addition, it is also an important channel for bank wealth management funds to invest in equity by actively docking the products of brokerage asset management and fund subsidiaries. Many banks have bank-based fund companies, and most of the popular "baby" wealth management products of banks are realized by docking open-end funds of their fund companies.

Editor's Note: After reading the above contents, I believe everyone has a certain understanding of the investment in bank wealth management products. Although the bank has not given the specific investment of the bank's wealth management products, it can roughly judge the investment by the expected income and risk degree of a certain wealth management product and the investment scope.

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