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Financial Home>Financial product channel>博赢FSLA19515A
Comprehensive rating
Profitability ratingSafety ratingLiquidity rating
Issuing bankChina Minsheng BankIssue objectpersonalCurrency currencyRenminbi
Investment typePortfolio investmentRelease start date2019-04-11Release date2019-04-17
Commission management period365 daysEntity currency starting amount10000Purchase amount increment unit1000
Can pledge loannoWhether the bank can terminate earlyYesWhether the customer can redeemno
sales regionsNational
Income typeNon-guaranteed floating incomeExpected maximum yield13.2%Maximum yield to maturity--
Savings compared with the same period5.87Income start date2019-04-18Income termination date2020-04-17
China Minsheng Bank's average earnings trend in the past 12 months
Rate of return descriptionThe current reference rate of return is 1.20%-13.20%
Terms of purchase
Bank termination conditionDuring the period of continuous operation of the product, the customer has no prior termination right, and the bank has the right to terminate the wealth management product in advance according to the operation of the product. The early termination date is the date on which the bank terminates the wealth management product in advance according to the contract.
Redemption rules
Investment risk statement1. Risk of principal and wealth management: This financial plan has investment risks. Minsheng Bank does not guarantee the principal of funds and does not guarantee the income of wealth management. You should fully understand the investment risks and invest carefully. The financial income of this financial plan is a floating income. The financial gains depend on the price changes of the underlying targets and are influenced by various factors in the market. The risk of uncertainty in financial management income is borne by the investor. Investors should have a full understanding of this. If the market interest rate rises during the financial period, the yield of the financial plan does not increase as the market interest rate rises. 2. Credit risk: If the issuer of the investment product of the wealth management product fails to redeem the principal and interest on time, the default of the trust company under the trust, the default of the financing entity under the trust, the default of the guarantor and the default of other counterparties, it will cause financial management. When the product expires, the customer cannot obtain the risk of losing money or even the financial management capital; 3. Market risk: If the market does not operate according to the expected operation of the wealth management products during the operation of the wealth management products, or the anti-expectation operation, the customer may not be able to obtain the expected income, and may even have zero income; if the RMB market interest rate changes, or the financial management The value of the underlying assets of a product may fluctuate due to uncertainties in the future market, or the price index may rise. The yield of wealth management products is lower than the inflation rate, resulting in a decrease in customer wealth management income or even no financial gains; 4. Policy Risk: This wealth management product is designed in accordance with current relevant regulations and policies. Such changes in the national macro-policy and market-related laws and regulations may affect the normal operation of the acceptance, investment, and liquidation of wealth management products, and result in the reduction of financial management income of this wealth management product or even no financial management income; 5. Liquidity risk: Within the financial management period, unless otherwise agreed, customers who invest in this wealth management product cannot terminate or redeem in advance; during the financial management period, if the customer has liquidity demand, the product may not be realized at any time, and the holding period Liquidity risk that does not match the capital demand date and may cause the client to lose other investment opportunities; 6. Reinvestment risk of early termination: During the life of this wealth management product, the bank has the right to suspend transactions in the event of major adverse changes, unexpected events, suspension of trading, or other circumstances in which the bank believes that it is necessary to terminate the wealth management products in advance. However, the obligation to exercise the early termination right will result in the actual term of the financial management being less than the term of the contractual theorem, which may result in the client obtaining the actual annualized rate of return below the expected income range and facing the risk of reinvestment; 7. The wealth management products are not established: if the fundraising is unsuccessful due to force majeure factors such as national policies or wars, or other reasons that are not due to the bank, the wealth management products fail to invest in the investment scope as stipulated in the financial contract, or the wealth management products are in the subscription period. The volatility of the internal market may have a serious impact on the performance of investment income of wealth management products, or other reasons that make it difficult to establish the wealth management products. It is difficult for the bank to provide customers with the wealth management products according to the financial contract. Have the right but not the obligation to declare that the wealth management products are not established, and the customer will bear the risk of not investing in the wealth management products; 8. Deferred payment risk: In the event of credit risk or policy risk, the bank has the right to extend the term of this product and exercise the right of recourse to the relevant defaulting party, which will result in the extension of the term of the wealth management product, the deferred payment of the principal and income. risks of; 9. Inflation risk: It is possible that the comprehensive rate of return of the product is lower than the inflation rate due to the rise of the price index, that is, the actual rate of return is negative; 10. Information transmission risk: The bank issues an information disclosure announcement for wealth management products in accordance with the relevant information disclosure provisions. The client shall actively and promptly visit the bank's website to obtain relevant information in accordance with the terms of the information disclosure clause. A customer signing a financial contract is deemed to have been approved and aware of the bank's information disclosure channels; if the customer fails or fails to check the relevant information in time, or because of communication failures, system failures and other force majeure factors, the customer cannot know the product information in time. All liability and risks arising therefrom are the responsibility of the customer. In addition, if the effective contact information reserved by the customer changes, the bank should be notified in time. If the customer does not promptly notify the contact information change, the bank may not be able to contact the customer in time when it thinks it needs, and may affect the investment decision of the customer. The resulting responsibilities and risks are the responsibility of the customer; 11. Force majeure and other risks: including, but not limited to, force majeure such as natural disasters, wars, major political events, and other force majeure events or other unforeseen events that cannot be foreseen, cannot be avoided, or cannot be overcome (including but not limited to communications, networks, system failures, etc.) Factor), any losses caused by the customer must be borne by themselves, and Minsheng Bank does not assume any responsibility for this. 12. Tax risk: According to relevant national laws and regulations, the VAT taxable behavior that should be undertaken by the financial plan during the operation of the financial plan shall be reported and paid by the product manager and additional tax and surcharge. These taxes will be directly deducted from the financial plan. The financial plan will reduce the income of the product investors due to the increase in the planned tax expenses, the net value of the financial plan or the actual income due to the above-mentioned tax burden such as value-added tax.
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