Zhongxin Financial Services (r) provides you with efficient and transparent financial management and investment services for the automobile industry. It is a safe housekeeper for your property protection. It provides you with a reliable and safe risk assessment system. It provides you with efficient and reliable financial management and investment services. Your satisfaction is our service. idea.
. What we often hear about bank financial products are the two terms: maturity date and arrival date of financial products. Investment period refers to the specific period of investment in financial products, such as investment period
Days refer to the The number of days for calculating the actual income of financial products is
days.
What to do when financial products expire
. Investors should reasonably choose the investment period of financial products based on their future use plans for the funds. If you can expect to use the money in the next few months or so, you should choose a product with an investment period of about
days. Otherwise, choose a product that can be terminated early within the investment period.
. The expiration date of financial management products refers to the final time limit for the operation of financial management products to expire. For example, the expiration date of a financial product is the day of the month, which refers to the expiration date of the investment operation period. However, the investor's principal and income are not necessarily returned to his account on the same day, because after the product expires, the bank still needs a fund liquidation time, which is usually
working days.
. Financial product arrival date: refers to the time when funds arrive in the investor’s designated account. Generally, the time difference is the time for banks to clear funds.
For banks, it is generally better to flush deposits at the end of the month, quarter, and year (for example, the interbank interest rate is as high as the end of the year). Otherwise, it is of little use.
. Financial management products generally have several dates: the fundraising period may be one day or several days. During this period, the customer's funds are locked and interest is calculated on demand deposits
. The value date is when the financial management funds begin investment operations. Date Generally speaking, the retail business department of a bank will collect all customer funds that purchase a certain period of financial management together and transfer them to the custody account where the financial management product is located, and then transfer it out from the custody account during investment operations
. The maturity date refers to the financial management product. On the date when all the assets in the account mature or are sold to redeem the principal and interest of the assets, all the client's principal and income of the financial product for this period are together and not allocated before being transferred to the client's deposit account. The instructions for bank financial management products generally stipulate that the principal income will be transferred to the customer's account
three working days after the expiration date of the financial management product. Therefore, the expiry date and payment date of bank financial management products will be different.
Offline financial investment company Zhongxin Financial Services