. Zhongxin Financial Services
(rd.
r .
r .) is a technological financial service platform focusing on the automobile industry, a strategic cooperation unit of China Property & Casualty Insurance Company, and is committed to providing safety and transparency to the public. , efficient financial management services. Investment and financial management users can purchase high-quality cars that have passed strict risk control screening through TouZhongXin Financial, join the safe financial management environment created by ZhongXin Financial for you, and obtain profitable Internet investment and financial management returns.
.:.rb..rb.. Investment is a type of financial management. What people call financial management is not exactly equal to investment. Financial management is the rational distribution of property in hand, in addition to meeting personal expenses. , a means of rationally utilizing and storing money and obtaining a certain amount of income.
.:.rb..rb. .. Risk-free financial products
. do not exist. In the financial management market, there is a mixed bag. Various investment projects are luring people to invest with the slogan of helping you manage your finances. As for the previously agreed-upon income, etc., they often become a thing of the past after the expiration of the term.
.:.rb..rb.. Recently, there have been media reports that many investors purchased an insignificant risk-based financial product through banks, but found it difficult to pay back due to poor operating conditions of the investor. Although the incident has not yet been identified, similar incidents have sounded alarm bells for investors.
.:.rb..rb.. Let’s first compare the differences between bank financial products and savings. Since banks provide expected returns that are higher than savings interest rates, investors must also bear higher expected risks. There are several main reasons why financial products have more risks than savings.
.:.rb..rb.. First, the bank’s own risks. According to the latest deposit insurance system, when a bank fails to perform well and is liquidated, investors' deposits of less than 10,000 yuan in a single bank are protected by deposit insurance, but financial products are not protected.
.:.rb..rb.. Second, financial management products have the risk of losing all. Although most of the time, the risk of financial management products sold by banks is very low, there are certain risks in the financial management product contracts. will illustrate this risk, even for money market funds.
.:.rb..rb.. This risk really appeared during the
financial crisis. A money market fund in the Hong Kong market purchased a large amount of Lehman Brothers bonds. At that time, Lehman Brothers was one of the largest investment banks in the world, and its claims were generally considered to be risk-free. However, with the collapse of Lehman Brothers, its claims The price quickly fell to near zero yuan, and monetary funds were unable to escape the disaster, and were ultimately unable to pay out to investors.
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