Financial Product

Introduction to Wealth Management Products of Fudian Bank

"Fudian Bank Wealth Management" is a proprietary wealth management product brand launched by Fudian Bank. Fudian Bank has firmly grasped the development opportunity of wealth management business, put risk control in the first place, grasped investment and served customers well, whose four series of wealth management brands, namely "Fudian Steady", "Fuju Wealth", "Fuju Tongbao" and "Furong Balance", have been favored by more and more customers and won "Kunming's Most Popular Wealth Management Products" many times. Fudian Bank will continue to innovate and create wealth value for customers with ...

"Fudian Bank Wealth Management" is a proprietary wealth management product brand launched by Fudian Bank. Fudian Bank has firmly grasped the development opportunity of wealth management business, put risk control in the first place, grasped investment and served customers well, whose four series of wealth management brands, namely "Fudian Steady", "Fuju Wealth", "Fuju Tongbao" and "Furong Balance", have been favored by more and more customers and won "Kunming's Most Popular Wealth Management Products" many times. Fudian Bank will continue to innovate and create wealth value for customers with the concept of "unwilling to be ordinary and creating distinction".

I. Wealth management product introduction

1. "Fudian Steady" RMB wealth management plan

"Fudian Steady" RMB series of wealth management products are mainly invested in RMB interbank deposits of financial institutions or bills and bonds in the inter-bank market, as well as in low-risk trust plans and asset management plans, with a wealth management period of one month to one year.

2. "Fuju Wealth" RMB wealth management plan

"Fuju Wealth" RMB series of wealth management plans are mainly invested in fixed income products such as bonds and money market instruments, with the investment objective being to maintain and increase the value of customer assets to the greatest extent through the rational allocation of assets on the premise of ensuring the safety and liquidity of funds.

3. "Furong Balance" RMB wealth management plan

The "Furong Balance" RMB series of financial management plans are the non-guaranteed floating income wealth management plans that are widely invested in various fixed income securities, money market instruments, non-standardized creditor's rights assets, asset management plans and other interbank and exchange-listed financial products.

4. "Fuju Tongbao" RMB wealth management products

"Fuju Tongbao" series of RMB wealth management plans are developed by the professional team of the Bank and jointly managed and operated with well-known financial institutions. The investment orientation of wealth management funds are wide, including fixed income varieties, money market instruments, non-standardized creditor's rights assets, trust plans, asset management plans and other investment varieties.

This series of wealth management plans are divided into two sub-series according to the difference of product types: profit-making series RMB wealth management plan and wealth-gathering series RMB wealth management plan.

II. Net-value product

(I) Closed net-value product

As the new asset management regulations promote the net value of wealth management products, since 2018, Fudian Bank has actively responded to the challenges of asset management business transformation, and the net value transformation of wealth management products has steadily progressed. The net-value wealth management products of the Bank are divided into two series: the closed net-value product-"Xinyi" series and the open net-value product-Anxiang" series.

(II) Cash management product

The "Fuli Tianying" daily-win RMB wealth management plan of Fudian Bank is a cash management product designed by the Bank to fully meet the daily precipitation fund liquidity and profitability needs of retail customers. The Product, with a realizable application for redemption on the same day, has the characteristics of low risk, strong liquidity, convenient application for redemption and relatively stable income, which is a good choice for the short-term wealth management of spare money. As a cash management product independently managed by Fudian Bank, the RMB wealth management plan of "Fuli Tianying" is managed by the Bank's professional team, which is mainly invested in fixed income assets, with high safety, stable income, T+0 carry interest, and quick redemption and real-time payment, meeting the temporary fund demand.

理财银行部

2020年10月19日