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一、理财产品的基本情况(一)理财产品概况一般认为,理财产品是指商业银行在对潜在目标客户分析研究的基础上,针对特定目标客户群开发设计并销售的资金投资和管理计划。商业银行在与客户签订理财产品认购协议后,在理财产品的存续期内,将其所接受的客户资金投资于事先约定的货币市场、债券市场、资本市场、信托,或用于发放贷款、购买结构化金融产品等等,存续期满后,按约定向
First, the basic situation of wealth management products (A) Overview of wealth management products It is generally believed that financial products refers to commercial banks in the analysis of potential target customers based on the development and design for specific target customers and sales of capital investment and management plan. After signing a financial product subscription agreement with a customer, the commercial bank invests the client funds it accepts into the previously agreed money market, bond market, capital market, trust, or other financial instruments used for issuing loans, purchasing Structured financial products, etc., after the expiry of the term, according to the agreement