Question 1. What is the reason for being popular with the public? In fact, it is a stable long-term return, but it takes a long time.

Compared with the concept of public finance management in China, stability is the first. Then the people are comparing with the interest of the bank, and the interest is higher. In the part before the original intention of foreign insurance, it is obvious that the stable income is obviously higher than the bank deposit. Then there is no reason to keep it in the bank. Moreover, 1000 yuan each is also a better diversion channel for deposits.

Question 2. Any financial product has shortcomings and needs to be improved. Although this product is sold in the name of a bank, the insurance factor is still relatively low, I mean relatively low. Analyze, who will buy such a wealth management product? It must be those who want a stable return and don't want to take any risks, such as people over 40 and middle age, who are the most cost-effective. Young people have many ways to manage their money and their minds are flexible. Even if they put their money into the stock market 10 years, everyone will say that it is far more than the 4% return in that year. What's more, there are investment channels such as foreign exchange, options and futures. What's more, the annual CPI, GDP and other factors interfere with the real rate of return of this buyer, and the income may be negative. If they know that banks are making more money with their own money, and their income can't keep up with prices at all, then I don't think they will do that. Closer to home, the key to question 2 lies in a sentence with the bank: "The final dividend is the money that the bank pays dividends from the profits obtained from deposit investment." This sentence is quite intriguing, that is to say, the final interpretation right of dividends lies with the bank, not the buyer. In other words, what if the bank's investment is not profitable? This is not in line with the initial expectations. Although its incidence may not be very high, it may exist in the future. The buyer is not very confident about the profit of this product. There are also attractive places linked to insurance, and it would be better to add more closed-ended options to buy.

Question 3. When people buy wealth management products, don't be too numb and be attracted by annualized returns. Although there are returns, there are risks, unless there is bank interest. When buying, you should look at your income and family situation. Never buy at will. Some wealth management products have a time limit, so it is more beneficial to buy some before you have no investment channels and the ability to stabilize the return on investment. However, it is necessary to make selective purchases based on the basic principles of convenient entry and exit, stable return and minimum risk.