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1. Closed-end net worth products refer to products with fixed term and regularly disclosed net worth, and investors can only redeem them when the products expire; Open-ended wealth management products refer to products that are regularly opened during the duration, and investors can purchase or redeem them during the opening period. Net worth wealth management products are basically similar to previous wealth management products in terms of investment and operation. The difference is that net worth wealth management products have no yield. When the product expires, it is necessary to calculate the product yield according to the actual market investment quotation of the product. If it is open, it is estimated according to the market quotation of opening hours.
2. Net worth wealth management products are non-guaranteed floating income wealth management products, and there is no expected income, and banks do not promise fixed income. Investors' income is related to the net value of products. Net worth products can reflect the value of assets more accurately and truly, and investors can enjoy the benefits or bear the losses according to the actual operation of the products. Net worth wealth management products invest in many things, including almost all types of assets, mainly standardized assets, such as cash, bonds, commodities, stocks, option futures and other investment targets. With the development of the market and the change of policies, the range of products that can be invested will become larger and larger.
3. The income of net-worth products is calculated according to the principle of "amount subscription and share redemption": formula: subscription quantity = subscription quantity/redemption quantity of unit net value announced on the corresponding confirmation date = redemption quantity x unit net value announced on the corresponding confirmation date. Historically, Gang Team is the product of China's special development period. If it is not broken, the risk will be passed on to banks or other financial institutions, and systemic risks are likely to break out. The essence of cracking down on the black gang team is for the security of our national financial system. From a realistic point of view, some financial institutions can no longer afford a fair exchange.