Nowadays, there are many bond-type financial products on the market. Everyone is familiar with government bonds and bond funds. So what does bond-type financial management mean? What are the characteristics of bond financial products compared with other financial products? Let ’s take a look together.
What is a bond financial product
Bond-type wealth management products refer to banks that raise customer funds and make investment decisions. The funds are mainly invested in the interbank bond market, the national bond market and the corporate bond market, and the investment income is settled to customers after maturity. Because the central bank bills and corporate short-term financing bonds cannot be directly invested by individuals.
Characteristics of bond wealth management products
1. Risk comes from interest rate changes. The risks faced by bond-type financial products come from interest rate changes, exchange rate changes, and liquidity risks. Interest rate risk mainly comes from changes in RMB deposit interest rates; exchange rate risk is more common in foreign currency bond-type wealth management products, which manifests in the unpredictability of the local currency and foreign currency exchange rates; liquidity risk is mainly due to the fact that the current domestic banking bond-type wealth management products are not generally Redemption in advance, so the investor's principal will be solidified in the bank within a certain period of time.
2. Act as a savings double. Because the investment objects of bond-type financial products are mainly products with high credit levels, strong liquidity and low risk, such as treasury bonds, financial bonds, and central bank bills, bond-type financial products can serve as savings substitutes to a certain extent. Therefore, these products have significant advantages in both yield and liquidity, and can be said to be the best in cash management tools. In terms of income, the one-year bank benchmark interest rate is 3.5%, while the yield of short-term insurance bond financial products is generally 4% ~ 5%; from the perspective of liquidity, the term is generally short.
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