It’s fake, don’t believe it.

1. Compared with other banks, Minsheng Bank has the advantage that it does not reduce the card limit at will. If you use it well, you can basically increase the limit in 3 months. It is a bank worth having. The disadvantage is that Points are not very valuable. In September 2009, Minsheng Bank and Luzhou Laojiao launched the "Guojiao 1573 High-end Customized Liquor Income Investment Plan". Previously, the bank's alcohol financial products had only issued products with red wine as the main investment object. "Most people choose cash returns when the product expires, and not much wine is sold." On November 28, 2012, in an interview with a reporter from the "Daily Economic News", recalling this product after three years, Luzhou Zhang Liang, president of Laojiao Group, still has regrets. Perhaps it is for this reason that according to statistics from Puyi Wealth, after 2010, no bank has issued alcoholic financial products.

2. Times have changed. As the first person to try out baijiu financial products, Minsheng Bank has once again made efforts in the baijiu financial field. However, today's liquor companies have high profit margins, annual sales growth and are less affected by economic fluctuations. If banking products want to enter the market, they need to find a way to serve the entire liquor industry chain and develop more products.

3. Liquor financial products are no longer popular. Puyi Wealth data shows that since 2008, banks have successively issued red wine and liquor financial products, among which ICBC has issued the largest number. The expected yield of alcohol financial products is generally between 4.00 and 10.00; the investment period is relatively long, with a minimum period of 12 months and a maximum of 547 days; the subscription starting point ranges from 50,000 yuan to around 1 million yuan.

4. At the bank level, the risk control of alcohol financial products includes two aspects: first, choose to cooperate with powerful and reputable alcohol companies in the industry to provide products that are both high-end and scarce, especially It is good brewing technology and high-quality cellaring conditions that guarantee the appreciation of the target wine. In this way, firstly, it can ensure the quality and appreciation potential of the investment target, and secondly, large wine companies have sufficient cash flow to ensure that the product expires. cash repayment; the next step is to set up multiple safeguard measures in product design, such as adding constraints or guarantee measures to contract terms, requiring wine companies to provide product buybacks, etc. "Puyi Fortune pointed out in the report.