1. According to the income types of financial products, they are divided into: capital-guaranteed floating income, capital-guaranteed guaranteed income, and non-capital-guaranteed floating income products.

Capital-guaranteed floating income products: Investors can receive 100% of the principal on the maturity date. However, product returns are not guaranteed. This type of product is suitable for prudent investors. Currently, there are products on the market that guarantee a minimum return, that is, the worst case scenario is that investors receive the lowest return on the maturity date. Generally speaking, the minimum yield is almost the same as the demand deposit interest rate.

Capital-guaranteed and guaranteed-income products: Investors can obtain 100% of the principal on the maturity date and the actual rate of return is consistent with the expected rate of return. This type of product is suitable for conservative investors.

Non-principal guaranteed floating income products: Banks do not guarantee that investors will receive 100% of the principal on the maturity date. Investors may lose part or all of their principal, and product returns are also uncertain. At present, some capital-guaranteed financial products have appeared in the bank financial product market, such as 90% capital guarantee, where investors can obtain 90% of the principal in the worst-case scenario on the maturity date. This type of product is suitable for investors with a certain risk tolerance.

2. According to the investment targets of financial products: bonds, credit assets, commodities, stocks, indexes, exchange rates, indexes, hybrids, and alternative investments.

Bond financial products: bank financial products with treasury bonds, financial bonds, central bank bills, and corporate bonds as the main investment directions.

Credit asset-based financial products: Generally speaking, banks, as the principal, entrust the funds raised through the issuance of financial products to trust companies. The trust companies, as trustees, establish trust plans and purchase the trust assets to sell financial products to banks or third parties. Third-party credit assets.

Stock-linked financial products: financial products linked to stocks. Currently, most stocks in the market are linked to Hong Kong stocks.

Index-linked financial products: financial products linked to an index. At present, the market is mainly linked to the Taiwan Weighted Index, Hang Seng Index, Nikkei 225 Index, and the British FTSE Index.

Interest rate-linked financial products: financial products linked to the interest rates of domestic and foreign currencies. The income of the products depends on the structure of the financial products and the trend of interest rates. Currently, the market is mainly dominated by SHIBOR (Shanghai Interbank Offered Rate) and LIBOR (London Interbank Offered Rate).

Commodity-linked financial products: financial products linked to commodity futures. At present, the majority of financial products on the market are linked to gold, oil, and agricultural products.

Fund-linked financial products: financial products linked to funds. Product income depends on the trend of the linked underlying and the product structure. Currently, the products are mainly products linked to overseas funds.

Exchange rate-linked financial products: linked to foreign exchange. The rate of return on such products depends on the exchange rate movements of one or more groups of foreign currencies. Such as USD/EUR, USD/AUD, etc.

Mixed products: financial products whose investment direction includes more than two of the above combined investments

Alternative investment and financial products: refers to financial assets and financial assets other than traditional stocks, bonds and currencies. Investment in food production. Alternative investment products currently available on the market include red wine investment, liquor investment, jade investment, Pu'er tea investment, watch investment, etc.