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The wealth investment product transfer service
2021-02-26
The wealth investment product transfer service is an innovative service that when retail clients of the Bank have realization requirements, financial products they hold can be transferred to other clients in a certain price through transfer platforms (returns and risks of products in the residual maturity are transferred at the same time) to enable the transfers or obtain capitals, transferees obtaining wealth investment products and corresponding rights and interests, and the Bank collecting service charges during the transfer process at the same time.
Product characteristics
Satisfying the emergency capital demand of clients: In the wealth investment product transfer service, the channel for wealth investment product realization in advance is provided and the emergency capital demand of clients is satisfied, thus effectively relieving the liquidity risk of the temporary money need of clients
1. Flexible order placing method
The wealth investment product transfer service supports not only the automatic order placing to sell wealth investment products they hold, but also the automatic order placing to buy favorable wealth investment product s. Several order placing methods are available for clients.
2. Automatic determination of price
Clients can automatically set the transfer price floating along with the suggested price with no more than 1% floating rate.
3. Designating transaction objects
When clients issue a transfer, they can designate the transaction objects of the order and determine transferees in advance.
4. Free transfer to more than one transferee
For a wealth investment product, if clients hole a large amount, they can sell it for more than one transferee, which means they can flexibly control their holdings, and facilitate others to purchase.
Applicable product scope
Closed expected revenue products (excluding products with the cooling-off period and products issued by the direct bank. Details shall prevail to system show)
Handling channel
You can handle this service through sales branches, mobile banking and online banking.
Prompt
1. Suggested transfer price is the fixed value measured by the system and only for reference. Actual transfer price can be automatically set according to the product characteristics. If the return rate of products is relatively low, properly reducing the transfer price will increase the placed order attraction. If the return rate of products is relatively high, the placed order will still be attractive even if the transfer price is properly increased.
2. Generally, placed orders with high return rate will be brought quickly. If clients often purchase wealth investment products, they can preferably go to the transfer market to find better one.
3. For relatively large transfer shares, it is suggested to sell in several orders to expand targeted purchasers and quicken the deal making.
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