The bank's wealth management products are risky. Bank wealth management products are divided into self-operated business and consignment business. Self-financing products have little basic risk and low income. Banks' consignment of wealth management products is risky and cannot guarantee the cost. You need to take your own risks, and you must be cautious when buying wealth management products.

In bank financing, in addition to ordinary bank deposits, that is, demand deposits, time deposits and so on. In addition, there are various wealth management products, including bank consignment wealth management products with various risk levels.

Among the wealth management products sold by banks recently, the proportion of non-guaranteed products has increased rapidly. By the middle of March 20 18, non-guaranteed products accounted for 69.28% of all bank wealth management products this year, significantly higher than 6 1.2 1% in the same period last year.

Investment is bound to have risks, but the risks are different. Although there may be principal loss in non-guaranteed financial management, in the end, you can get appropriate income and principal protection. Nevertheless, we should pay attention to risks when investing.

The degree of risk (from high to low) can be divided into: non-guaranteed floating income type >; Capital preservation floating income type > capital preservation guaranteed income type.

In other words, non-guaranteed floating income is the highest risk, as the name implies, that is, your income and principal are not guaranteed. This kind of product is risky, so it is recommended to buy it under the guidance of a professional financial manager of the bank. It is suitable for customers who like risks and may realize an investment plan far higher than the bank's regular income in a short period of time.