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Financial Home>Financial product channel>Gathering FSCA19659A
in stockGathering FSCA19659A
Comprehensive rating
Profitability ratingSafety ratingLiquidity rating
Issuing bankChina Minsheng BankIssue objectpersonalCurrency currencyRenminbi
Investment typeCurrency foreign exchangeRelease start date2019-04-12Release date2019-04-22
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 typeGuaranteed fixed incomeExpected maximum yield10.8%Maximum yield to maturity--
Savings compared with the same period4.80Income start date2019-04-23Income termination date2020-04-22
China Minsheng Bank's average earnings trend in the past 12 months
Rate of return descriptionExpected annualized rate of return 2.40%-10.80%
Terms of purchase
Bank termination condition(2) Early termination of wealth management products In the event of the circumstances described in paragraph (16) of Article 1 of this product manual, if the bank terminates its wealth management products, it shall be publicized at least one working day before the early termination date, and shall be liquidated and distributed according to the following rules: 1. The bank will realise the investment assets of the wealth management products within 2 working days after the early termination date, and the investment assets of the wealth management products will not be in the aforementioned period in case of major fluctuations in the market or other reasons not due to the bank. Within the realization of the bank, the bank can extend the monetization and income distribution period, but should make an announcement. 2. The bank distributes the balance after liquidation based on the proportion of the share of the wealth management products held by the customer on the early termination date of the product. 3. During the period from the early termination date (including the day) to the distribution date (including the day) of the wealth management products, the bank will announce the progress of the liquidation work in a timely manner without paying interest on deposits and wealth management.
Redemption rules
Investment risk statementDue to various risk factors (including but not limited to market risk, liquidity risk, financial product non-establishment risk, inflation risk, policy risk, early termination risk, deferred payment risk, information transmission risk, force majeure and other risks), The customer's expected risk-avoiding, profit-making and other trading objectives may not be realized, and the above-mentioned consequences are borne by the customer, and the bank does not provide any guarantee or assume any responsibility. Important Risk Warning: This wealth management product has investment risk and only protects the financial management fund. You (the customer) should fully understand the investment risk and invest carefully. Specifically, the risk of this wealth management product mainly comes from the risks described below. □Important risk warning: This wealth management product does not guarantee the principal and income. Your (customer) principal may suffer significant losses due to market changes. You (customers) should fully understand the investment risks and invest carefully. 1. Market risk: If the market does not operate as expected at the beginning of the establishment of the wealth management products during the operation of the wealth management products, the customer will only be able to obtain the principal; 2. Liquidity risk: Within the financial management period, unless otherwise agreed, customers who invest in this wealth management product cannot terminate or redeem in advance; 3. The wealth management product is not established: if the total amount of the wealth management product subscription does not reach the lower limit of the establishment scale of the wealth management product (if agreed), or other reasons not due to the bank, the wealth management product fails to invest in the investment scope specified in the wealth management contract, or During the subscription period, the wealth management products may experience severe fluctuations in the market, which may have a serious impact on the investment income performance of wealth management products, or other reasons that make this wealth management product difficult to establish. It is difficult for the bank to reasonably judge the customer according to the financial contract. Providing this wealth management product, the bank has the right but not the obligation to declare that the wealth management product is not established, and the customer will bear the risk of not investing in the wealth management product; 4. 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; 5. Policy risk: The risk of adversely affecting the principal and income of this wealth management product due to regulations, rules or policies; 6. Early termination of risk: When the bank terminates the wealth management product in advance according to the market conditions in the principle of locking in revenue or reducing losses for the customer, the customer may obtain lower-than-expected income, and the bank's financial benefits realized by the early termination right are not necessarily Higher than the financial benefits realized by the normal expiration of the product; 7. Deferred payment risk: In the event of a policy risk or a corresponding financial derivative transaction extension under this wealth management product, the bank will exercise the right of recourse to the responsible party, which may result in delayed payment of the wealth management income; 8. 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. If the customer does not check in time, or because of communication failure, system failure and other force majeure factors, the customer can not understand the financial product information in time, so the responsibility and risk arising from the customer shall be borne by the customer; 9. Force Majeure and Other Risks: Any risk that may result in loss of wealth management products due to force majeure such as natural disasters, wars, major political events, and other unforeseen accidents (including but not limited to communication, network, system failure, etc.).
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