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RMB Liquidity Management Vehicle of Bank of China Wealth Management Product


 

Name

RMB liquidity management vehicle of Bank of China wealth management product

Introduction

"RMB liquidity management vehicle of Bank of China wealth management product", a pooled vehicle under Bank of China wealth management plan, is a cash liquidity management product. The main investment range is China domestic monetary market and cash bond market. The purpose of the vehicle is to provide our customers with a liquidity management tool which also delivers attractive returns compared to current saving accounts. The investment objective is to gain steady income by strategies ensuring safety and liquidity of assets as much as possible.

Sales Region

Shanghai, Beijing, Guangdong, Shenzhen, Jiangsu, Hebei, Shaanxi, Tianjin, Chongqing, Fujian, Xinjiang, Sichuan, Hunan, Ningxia, Heilongjiang, Jiangxi, Anhui, Hubei, Shandong, Jilin, Henan, Zhejiang, Yunnan, Hainan, Shanxi, and Liaoning branch.

Target Customers

1. Investors who have high liquidity requirement for cash management.

2. Investors who expect more stable and higher return than that of current savings.

3. Investors who are willing to accept the credit risk of the investment objects in the wealth management plan.

Functions

Providing our customers with a cash management tool whose liquidity feature is similar to that of current savings with attractive returns.

Investment Currency Type

RMB

Term

Open to purchase and redemption on daily basis.

Process

Transact according to regulations of specification of product manual.

Risk Disclosure

1. The product belongs to the non-guaranteed floating-earning product, Bank of China does not provide any commitment for principal and income guarantee.

2. The investment risks and returns related to the product should be assumed by investors, and the specific investment risks are listed in product manual.

Internal Risk Rating

Medium: the possibility of principal loss is very low, but the excepted return may be fluctuant under certain circumstances.

Internal Liquidity Rating

High: the product is open to redemption on a daily basis, which can meet the liquidity needs of investors.

Profitability

Take January 4, 2011, for example, the expected rate of annualized return of the product is 1.68%, much higher than bank current savings interest rate of 0.36%.

The product manager may adjust the expected rate of annualized return according to the market interest rates and rates of investment objectives. The new expected rate of return should be announced on the website of Bank of China Limited (www.boc.cn) at least one working day before enforcement.

Investment Range

T-bonds, financial bonds, central bank bills; bond repurchase agreements; enterprise bonds, corporate papers, short-term financing bill of high credit rating, and other high-yield and low-risk financial instruments.

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