Rural commercial banks all over the country are financial institutions approved by China Banking Regulatory Commission and operated under its supervision. The wealth management products they issue are safe, but because of the risk of wealth management, there is the possibility of capital loss in investment and wealth management.

When choosing a wealth management product, we should not only pay attention to the rate of return, but also consider the risk level of the product in combination with our own risk tolerance. Generally, banks will have capital-guaranteed wealth management products, with higher safety factor than non-capital-guaranteed wealth management products, but the yield or financial management threshold will be higher. I want to tell readers that buying wealth management products in rural commercial banks is as safe as other businesses, so don't worry.

As rural commercial banks are formal financial institutions approved by the China Banking Regulatory Commission, their internal control mechanism is relatively sound and strict, and their operations are also strictly supervised by the regulatory authorities. All kinds of illegal business practices have been basically eliminated. At present, the overall operating efficiency is good, the non-performing assets are not high, and the overall anti-risk ability is good.

Therefore, at present, the industry supervision and business supervision of rural commercial banks are the same as other banks, and there is no difference. In this state, the wealth management products issued by rural commercial banks are obviously safe and reliable.

Of course, after the new financial regulations are broken, any wealth management products issued by banks may be risky, and wealth management products are not absolutely safe. In this regard, as an investor, we need to have a correct understanding and keep moderate in the scale or quantity of purchasing wealth management products.

Secondly, I would like to share with you some popular, relatively low-risk, formal and credible bank wealth management products with large sales volume:

1, demand bank, money fund, etc. This kind of products have strong liquidity, and the risk level ranges from extremely low-risk PR 1 to low-risk PR2, with guaranteed or non-guaranteed and floating income. It has wide application range, wide sales range and good market response.

2. Sub-prime low-risk regular financial management. Suitable for people who are strong or above. The principal is affected by risk factors, so the probability of loss is small, and the probability of income not being realized is also small. It is the mainstream of bank wealth management products. 3. Structured deposits. Capital preservation, floating income. Relatively high security is very popular.

Summary: These bank wealth management products are sold by all banks, and they are the mainstream products of bank wealth management, with relatively low risk and large sales volume.