Wealth management products are a kind of financial investment products issued by financial institutions, including banks, brokers, insurance, trusts and so on. Financial assets will be invested in physical objects, time deposits, futures and other products, and investment in these products will yield certain benefits. Wealth management products are financial products with * * * income and * * risk.

Credit refers to the funds provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment responsibilities that may occur to customers in related economic activities.