Product Profile

FI wealth management means upon the commission of FI clients, CMB provides wealth management products design as well as investment and asset management services for financial institutions and their clients (including institutional clients and individual clients). The “FI wealth management”of CMB is devoted to “Together with you, achieving harmonious and win-win situation.” 

FI wealth management can be categorized into RMB FI wealth management and foreign currency FI wealth management in term of currencies, as well as FI proprietary wealth management and FI agent wealth management in term of buyers. FI proprietary wealth management business refers to financial institutions clients itself as investors buy wealth management products from CMB. FI agent wealth management business , which refers to financial institutions as agents sells CMB’s wealth management products to their clients, has two modes, namely titled mode and untitled mode. Titled mode refers to financial institutions sell CMB designed wealth management products on the title of their own.

Four categories of FI wealth management products:

ü          Daily Win: a T+0 type liquidity cash management product, with investments in T-bond, PBOC notes and other high rating and highly liquid financial instruments.

ü          Stable Win: debt-type fixed income wealth management products with terms between 7 days to 3 months, which are invested in such liquid instruments as corporate debts, financial debts, commercial paper, and repo debts, etc.

ü          Active Win: fixed income wealth management products with terms within one year, which are invested in high-quality credit assets and bills asset.

ü          Guaranteed Win: principal-guaranteed structured wealth management products with floating rates, with terms within two years, which are linked to gold, stock index and exchange rate, ect..

Product Advantages

ü      Widen investment channels for excess funds, and richen asset allocation.

ü      Relatively high return of funds, increasing ROA.

ü      Simple and safe application, purchase and redemption procedures, with both counter and on-line service channels.

ü      Rigorous and precise investment and risk management ensures the fund safety.

ü      The combination of standardized and personalized products. CMB is able to provide “made-to-measure” wealth management products and personalized asset management services for financial institutions clients.

Service Flow

(1) CMB and financial institutions clients reach cooperation intention in terms of wealth management business and sign the main agreement of wealth management business cooperation.

(2) Two sides reach the cooperation intention in terms of individual wealth management products and sign the application form of wealth management products trading or the supplementary agreement.

(3) Financial institutions clients open settlement accounts in CMB.

(4) Financial institutions purchase or redeem wealth management products via desk or on-line banking.