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什么是人民币理财产品? 人民币理财产品,实际上是一种结构性理财产品, 和现在的不少外汇理财产品的性质基本相同。银行将 储户手中的闲钱集中起来,分别投向不同的理财渠道, 从而产生高于定期存款利息的收益。目前该类产品的 理财渠道,主要是信托和定期储蓄的组合,即按照一定 的比例,分别用于购买专门的信托产品和定期储蓄,合 理分散投资风险。
What is a RMB financial product? RMB financial products, is actually a structural financial products, and now many of the nature of the same foreign exchange financial products. Banks put their spare cash in the hands of depositors and put them in different channels of financial management, thus generating profits higher than the interest on time deposits. At present, the channels of financial management of such products are mainly the combination of trusts and fixed deposits, that is, they are used to purchase specialized trust products and regular savings respectively according to a certain proportion, so as to rationally diversify the investment risks.