Wang Xin Bank is an Internet bank, which relies on data and technology to drive business operations, provides customized financial services to consumers and small and micro enterprises through Internet technology, and is committed to helping consumers and small and micro enterprises that do not enjoy perfect financial services to provide safe and convenient financial services.
From the specific analysis of the following aspects, we can see whether the new network bank is reliable and whether the investment of the new network bank is risky.
1. Legal and compliant banks. The new online bank was established with the approval of China Banking Regulatory Commission. It is the first private bank in Sichuan Province with a registered capital of 3 billion yuan. Therefore, from the point of view of legal compliance, the new online banking is completely in line with the requirements. In China, banks should not only be supervised by CBRC, but also by other government agencies. If the new network bank has illegal operations in the operation process, it will soon be discovered or even notified.
Second, is there any risk in investment? As a private bank, the comprehensive strength of Wangxin Bank is still good. It is not that only state-owned banks are absolutely safe. At present, bank wealth management products are guaranteed capital and interest, no matter which bank. However, bank deposits are protected by the Deposit Insurance Ordinance. Therefore, if you invest and manage wealth in Wangxin Bank, the deposits with a capital of less than 500,000 yuan will enjoy the guarantee of full payment of principal and interest. And wealth management products need investors to analyze their own risks.
Third, is the expected rate of return reliable? The wealth management products of Xinwang Bank can be purchased at will at present. This product is a five-year time deposit product, which can be reserved in advance, and the expected yield is between 4% and 4.9%. As we all know, the expected income of deposit products is fixed, after all, it is paid by reputation after one year. There is no overdue deposit in China, so the expected rate of return of products is relatively reliable. Summary: Wangxin Bank is a relatively reliable private bank, and its business and wealth management products are legal and compliant. Whether it is to go to the new network bank for loans or wealth management, as long as you know the relevant information before, there will basically be no too much risk.