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What does it mean to be robust in Bank of Communications' financial management?

robust products.

R stands for safety risk calculation function, which has five gears, from 1 to 5, and the risk increases gradually. 2R in Bank of Communications Finance is the internal rating of Bank of Communications. According to the product specification, 2R stands for robust products, and only investors who reach the risk level can buy them.

the calculation formula of general wealth management products is wealth management income = invested capital × daily interest rate × actual wealth management days.

Among them, interest rates can be divided into annual interest rate, monthly interest rate and daily interest rate, and should be appropriately converted when calculating wealth management income.

the income of wealth management products is calculated according to the yield of wealth management products, the invested funds and the actual wealth management days. Of course, this calculation formula is generally applicable to fixed-income wealth management products, and other risk factors need to be considered for some more complicated wealth management products. The above is an introduction to the income calculation of wealth management products. It should be noted that the year of bank wealth management products is calculated according to 36 days, while other Internet wealth management products are calculated according to 365 days.

the interest calculation formula of bank wealth management products is: interest = principal * yield * product term, in which the yield includes 7-day annualization, daily interest rate, monthly interest rate and annual interest rate. Investors can convert the interest rate and estimate the interest according to the information details of different wealth management products. Take Minsheng Bank Suntory for 74 days as an example. The deposit interest rate is 3%. If you buy 1, yuan, the interest you can get at maturity is: 1, * (3%/36) * 74 = 61.7 yuan.

in addition, if the wealth management product gives the expected annual interest rate, the calculated interest is only the predicted income, which should be based on the actual income of the product at maturity.

interest calculation method of various wealth management products:

1. Yu 'ebao

Calculation formula: (Yu 'ebao fund /1)X every ten thousand earnings announced by the fund company.

For example, you transferred the funds from Yu 'ebao to 5 yuan: 5 yuan /1* The income per 1, shares announced by the fund company on the same day is .8188= the estimated income of 4 cents per day

Second, the calculation formula of bank financing

: principal × annualized rate of return /365 (in some banks, it is 36)× actual investment days

For example, you. If the product reaches the expected annualized rate of return of 4.8% when it expires, your income will be 5,× 4.8%/365 (36 in some banks )× actual investment days.

III. Calculation formula of the fund

: Income = money received during redemption-invested principal.

money received at redemption = share * net value at redemption-redemption fee

Take 1.5% as an example:

net subscription and subscription amount = subscription amount /(1+ subscription rate) subscription, subscription fee = net subscription amount × subscription rate

subscription and subscription share = (subscription amount-subscription fee)/ Subscription share = subscription amount ÷(1+ subscription fee) ÷ net value of fund unit on application date.

the calculation formula of fund redemption is: redemption fee = redemption share × net value of fund unit on redemption day × redemption rate.