Summary of ultra-short-term financial management products (1)-banking system

Ultra-short-term financial management products are generally used in combination with new stock purchases. The most important thing is liquidity and convenience of purchasing methods, followed by the rate of return. These products are mostly invested in assets with high security, such as bond repurchase, bonds, and bills. Therefore, although they do not promise to keep their capital, the risk of losing the principal is actually very small (which has not happened yet ). The following table lists the mainstream products currently released by banks (based on the product manuals released by banks, the mywallet version of Shui Mu, and the comprehensive production of online information ).

Product Name	Issuing Bank	Redemption	Expected annualization Rate of Return	Whether online banking purchase is supported	Amount limit	Transaction Period	Whether Warranty	Remarks
Daily gold (8136)	China Merchants Bank	Real-time	1.36%	Yes	From 50 thousand, with a transaction level difference of 10 thousand	Am-Am	Yes	Public and professional editions of online banking can be purchased, Mobile banking is not available, but mobile banking is available
Daily Win (8166)	China Merchants Bank	Real-time	1.55%	Yes	From 50 thousand, with a transaction level difference of 10 thousand	Am-Am	No	Public and professional editions of online banking can be purchased, Mobile banking is not available, but mobile banking is available
Exclusive Daily profit (8168)	China Merchants Bank	Real-time	1.65%	Yes	From 1 million, with a transaction level difference of 10 thousand	Am-Am	No	(1) public and professional editions of online banking can be purchased, Mobile Banking cannot be purchased, but mobile banking can. (2) Only customers with diamond cards can purchase them.
Daily profit of private archives (9439)	China Merchants Bank	Real-time	1.85%	Yes	From 5 million, with a transaction level difference of 10 thousand	Am-Am	No	(1) public and professional editions of online banking can be purchased, Mobile Banking cannot be purchased, but mobile banking can. (2) Only private bank customers can purchase.
Lingzhi Express Line (lt0801)	ICBC	Real-time	1.45%	Yes	From 50 thousand, with a transaction level difference of 1 thousand	Am-Am	No	1. Once purchased, it is not subject to the 50 thousand limit of the start time 2. mobile banking is not available
Great harvest	China Construction Bank	Real-time	1.45%	Yes	From 50 thousand, with a transaction level difference of 1 thousand	Business Day-	No
Sunrise	Postal Savings Bank	Real-time	1.41%	?	From 50 thousand, with a transaction level difference of 1 thousand	Business Day-	No	This bank was launched soon
Ribao Tian Li	Bank of Communications	Today	1.45%	Yes	From 50 thousand, with a transaction level difference of 1 thousand	Business Day-	Yes
Ribao Tian Li B	Bank of Communications	Today	1.60%	Yes	From 0.5 million, with a transaction level difference of 10 thousand	Business Day-	Yes
Accumulated over time	Bank of China	Real-time	1.58%	No	From 50 thousand, with a transaction level difference of 1 thousand	Trading day-	No	Telephone transactions are not supported either. They can only be handled at the counter.
Huoqibao	Everbright Bank	The interest rate starts from t + 1 and is not calculated on the redemption day.	1.68%	---	From 50 thousand	Automatically purchased after contract signing	No

According to the comprehensive comparison of various products, the crocodile preferred Zhaoxing's 8168 and 9439, xiao san can consider Zhaoxing's 8166 and industrial and commercial and Construction Bank's products.

In addition, such competitive products include the auto-increment of the industry, the smart notification deposits of CMB, and similar products such as Everbright. These products are implemented based on notification deposits, if the period is longer than 7 days, the deposit is notified on the 7th day (1.35%), and if the period is less than 7 days, the deposit is notified on the 7th day (0.81%). You do not need to set a notification in advance, and the system automatically determines. The mobility and benefits of such products are not as good as those listed in the table. The only advantage is that they can be operated at non-transactional time.

 

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