Banking on Chen Kai Bloghttps://www.chenk.top/en/tags/banking/Recent content in Banking on Chen Kai BlogHugoenTue, 19 May 2026 09:00:00 +0000Personal Finance (3): Bank Wealth Management Subsidiaries — What '理财子' Actually Meanshttps://www.chenk.top/en/personal-finance/03-wealth-mgmt-subs/Tue, 19 May 2026 09:00:00 +0000https://www.chenk.top/en/personal-finance/03-wealth-mgmt-subs/<p>I keep seeing the term &ldquo;理财子&rdquo; (lǐ cái zǐ) everywhere. Bank apps push notifications about &ldquo;理财子公司 exclusive products.&rdquo; Finance forums debate which 理财子 has the best returns. Colleagues casually drop it at lunch: &ldquo;I moved everything to ICBC&rsquo;s 理财子 last month.&rdquo;</p>