Financial Secretary'S Resolution: The May Day Long Holiday Makes Money By Clever Management.

How to play on May 1? Travel? Shopping? Delicious food? You OUT. Learn to spend money on holidays and make wealth increase. In this issue, Bank of China (601988 shares, quotes, information, main trading) financial experts from Fujian branch have recommended three short term financial products specially, teaching everyone how to make use of the "May 1" holiday, and make money by skillful management.

It is reported that these three short-term financial products have their own characteristics, which can meet the short-term financial needs of different groups. Among them, the Bank of China is smart and convenient, which is especially suitable for short-term financial management needs of clients. The "weekend financing" RMB financial products are famous for their short term investment and high return, which are suitable for customers who have financial needs during holidays. They are especially attracted by the stock market customers. If you have a certain amount of idle funds on hand and want to get a higher investment income in the short term, the financial products with stable and profitable returns will be very appropriate.

"Intelligent" financial product is a smart short term financial product launched by Bank of China recently. It is understood that its biggest advantage is that it can automatically deposit demand deposits into notice deposits, so that customers can enjoy the interest rate of the notice deposit while retaining the convenience of current account deposits.

Miss Wang and Miss Zhang are colleagues and friends of a foreign trade company. With May 1 approaching, two people plan to take advantage of the May 1 holiday to travel. Two women in China bank each had 500 thousand yuan in demand deposits. On the same day, they agreed to withdraw money from the Bank of China. Miss Wang was surprised to find that Miss Zhang's deposit interest rate was much higher than her own. Why does the deposit account at the same time have the same amount of storage? Is Zhang Zhang's account balance higher than himself? Miss Wang was puzzled.

Originally, Miss Zhang followed the advice of the bank staff in the deposit and opened the Bank of China at the same time. Intelligent communication "Financial management." When Miss Zhang's account balance reached the starting point amount (50 thousand yuan), according to her time of funds, the interest rate was calculated in less than seven days according to the one day notice deposit interest rate of the actual days, and the interest rate was calculated over the seven days according to the actual days seven days notice deposit rate. This not only improves the liquidity of the current account, guarantees the access of account funds, but also provides interest income that is nearly 4 times higher than the current account.

Miss Wang and Miss Zhang have current account balances of 500 thousand yuan. Miss Wang has not started the "intelligent communication" business. The monthly income of a month is only 150 yuan, while Miss Zhang has launched the "intelligent communication" business. The monthly deposit interest is 562.5 yuan, which is 375% of the current income. This product is also especially suitable for investment customers to recover capital gains in the short term. {page_break}

"Weekend financing"

Ultra short term innovative financial management

" Weekend financing "Is the second paragraph recommended by the financial experts of the Bank of China Fujian branch. Short term financial products 。 According to the introduction, Bank of China's "weekend finance" is a capital preservation type RMB financial product specially invested on weekends and holidays. It mainly targets on customers with short-term idle funds and financial needs, especially the stock buyers. The product starts every Friday (or the day before the long holidays), and then expires on Monday (or the first day after the end of the long holidays). It can make full use of weekend and holiday time to provide customers with much higher interest rates than the same period. It is truly two. And on Monday, funds can be automatically returned to the accounts. This cycle will also increase revenue while ensuring liquidity.

Mr. Lee has a deep feeling about the benefits of "weekend finance". Originally, Mr. Lee is a senior speculant. Recently, there is a large sum of money in hand. But if the stock market is closed, if the money is put in a bank card, it will be too uneconomical to make a demand deposit. If the stock market is fixed, it will not work well when stocks are sold. After pointing out, Mr. Li decided to choose the "weekend finance" product of the Bank of China to use the money on hand. "On the premise of not affecting the normal investment in the stock market, we should make full use of weekend and holiday stock market break ups to improve the efficiency of capital use. This is really the two investment in financial management." Mr. Li laughs and says, "moreover, this product is easy to handle, so long as it carries a copy of the bank's current account to the Bank of China, it will save time and effort to sign a contract automatically and expire automatically at the expiration of the term."

"Stable returns of Bank of China" financial products

High starting point, high yield, prudent financial management

"May I have to go abroad for one to two weeks, but I can have a spare fund of 200 thousand yuan on hand. If I invest money in stocks and funds, the risk will be too great. But if these funds are kept in the bank for a regular period, I am afraid that the funds will not work well when they are in urgent need. What should we do? " Mr. Guo, a senior manager of a foreign company, asked for help from the Bank of China Fujian branch financial expert with his own confusion.

After fully understanding the situation and demand of Mr. Guo, the financial experts of Fujian branch of the Bank of China believe that for Mr. Guo, who has a certain amount of idle funds on hand, but wants short-term financial management, it is very appropriate to choose a series of financial products with higher starting point and higher yield.

According to the introduction, "fight." "Chess" series of financial products are issued by the Bank of China to raise customer funds to invest in the domestic inter-bank bond market. Beat. "Yi" series of financial products have the following characteristics: first, flexible terms, including 7 days, 14 days, 21 days, 1 months, 3 months, 6 months, etc., to meet all kinds of investment needs of customers; two is highly secure, product principal guarantee and reliable income; three is lucrative, the yield of products in each period is much higher than that of the same period deposit rate; four is the purchase flexibility, customers can buy products through Bank of China counters and online banking.