Which of the four major banks has better financial management?

The first thing I want to say is: the financial products of the four commercial banks start at 6%. The financial products of each bank are basically homogeneous, and the benefits are also similar. It mainly depends on which bank you are used to doing it. Regarding business, which bank do you think provides better services? If you must select which bank has the best financial products, you can rank the banks based on their financial management capabilities.

The top 10 banks based on comprehensive financial management capabilities are China Merchants Bank, Hua Xia Bank, Minsheng Bank, Agricultural Bank of China, Industrial and Commercial Bank of China, Bank of China, China CITIC Bank, China Everbright Bank, Hang Seng Bank and Bank of Jiangsu.

In the measurement of China Merchants Bank’s classified indicators this quarter, its issuance capability, profitability and information disclosure standardization scores all ranked second in individual rankings. The risk control capabilities and richness of financial management services also score relatively high. Excellent individual performance puts the bank at the top of the overall ranking of financial management capabilities.

Hua Xia Bank ranked second overall, mainly due to its better risk control capabilities, issuance capabilities and profitability this quarter. In addition, Hua Xia Bank scored the highest in the evaluation questionnaire of all banks.

Minsheng Bank ranks third in the overall ranking. The bank performs well in the three individual rankings of risk control capabilities, information disclosure standardization and assessment questionnaires, ranking third, fourth and second respectively in the individual categories. . At the same time, the bank's issuance capacity and profitability are also relatively high, and finally entered the top three in the comprehensive ranking with a higher total score.

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As for which financial products issued by banks have high returns, which investors are most concerned about, relevant data shows that among the financial products on sale, Ping An Bank, Bank of Wenzhou, and Bank of Ningbo , the average expected return rate of financial products issued by Zheshang Bank is higher than 6%.

Among them, the 23 financial products sold by Ping An Bank all have expected yields higher than 6%. There are four financial products with an expected rate of return of 6.4%. The shortest one is "Ping An Wealth-Prestige Portfolio A Asset Management Class 2013 67 RMB Financial Products (Guangzhou Branch)" with an investment period of 54 days and a minimum purchase amount of 5 Ten thousand yuan, the income type is non-guaranteed floating income, but this product is only available to investors in Guangzhou.

The "Ping An Wealth-Private Bank Exclusive Premium Portfolio A Asset Management Class 2013 34-Issue RMB Financial Product" issued by Ping An Bank has a starting purchase amount of 50,000 yuan, an investment period of 89 days, and an expected rate of return. It is 6.4%, and the income type is non-guaranteed floating income. Suitable for ordinary investors with a certain risk tolerance.

The six financial products in the "Huitong Financial Management" series sold by Bank of Ningbo all have expected yields higher than 6%. The one with the highest expected rate of return is "Huitong Financial Management 2013 Huitianli No. 2482 (Exclusive Financial Management) 132482". The minimum purchase amount of this product is 1 million yuan, the investment period is 182 days, and the expected rate of return is 6.4%.

The other financial products sold by Bank of Ningbo have a minimum purchase amount of 50,000 yuan, an investment period ranging from 42 days to 1 year, an expected rate of return between 6% and 6.2%, and the type of income is also All are non-guaranteed floating returns.

In addition, Wenzhou Bank is selling three financial products with an expected return rate of 6.2%, and Zheshang Bank is selling a financial product with an expected return rate of 6.1%.