Home Bank Products Bank Financial Products Details

Bank Financial Products Details

Below is detailed information about bank financial products, sourced from official bank websites, updated on March 9, 2026.

What are Bank Financial Products?

Bank financial products are investment and management plans developed and sold by banks for specific target customer groups. Banks pay returns to customers based on agreed conditions and actual investment returns, without guaranteeing principal and returns.

Key Features:

  • Rich variety: Classified according to different dimensions such as investment direction, risk level, and term
  • High flexibility: Investment terms range from 1 day to 3 years
  • Diverse risk levels: From R1 (low risk) to R5 (high risk)
  • Low minimum investment: Generally starting from 1,000 yuan, some products start from 1 yuan
  • Relatively stable returns: Usually higher than同期 bank deposit interest rates

Risk Level Explanation

R1

Low Risk

Principal safe, stable returns, suitable for conservative investors

R2

Low to Medium Risk

Principal relatively safe, small return fluctuations, suitable for stable investors

R3

Medium Risk

Principal may face certain risks, larger return fluctuations, suitable for balanced investors

R4

Medium to High Risk

Principal faces higher risks, very large return fluctuations, suitable for aggressive investors

R5

High Risk

Principal faces high risks,剧烈 return fluctuations, suitable for radical investors

Industrial and Commercial Bank of China Financial Products

Product Name Risk Level Investment Term Expected Annual Return Minimum Investment Sales Status
ICBC Financial·Tianli Bao R1 1 day 1.0%-1.2% 1 yuan On Sale
ICBC Financial·Wenli Series R2 3 months 1.3%-1.6% 1,000 yuan On Sale
ICBC Financial·Lingtong Express R2 7 days 1.1%-1.3% 50,000 yuan On Sale
ICBC Financial·Wealth Series R3 1 year 2.0%-2.5% 10,000 yuan On Sale

Data source: Industrial and Commercial Bank of China official website, updated on March 9, 2026

China Construction Bank Financial Products

Product Name Risk Level Investment Term Expected Annual Return Minimum Investment Sales Status
CCB Financial·Qianyuan-Zhongxiang Capital Guaranteed R1 6 months 1.3%-1.5% 50,000 yuan On Sale
CCB Financial·Qianyuan-Anxin R2 3 months 1.4%-1.7% 10,000 yuan On Sale
CCB Financial·Qianyuan-Rixin Yueyi R2 1 day 1.0%-1.2% 10,000 yuan On Sale
CCB Financial·Qianyuan-Sixiang R3 1 year 2.1%-2.6% 100,000 yuan On Sale

Data source: China Construction Bank official website, updated on March 9, 2026

Bank Financial Investment Tips

  • Before investing in bank financial products, you should fully understand the product's risk level, investment direction, term and other information.
  • Choose suitable products according to your risk tolerance, don't blindly pursue high returns.
  • Pay attention to the liquidity of the product to ensure that funds can be redeemed in a timely manner when needed.
  • Diversify investments in different types and terms of financial products to reduce risk.
  • Carefully read the product prospectus to understand the product's fee structure, redemption rules and other details.