Generally, banks are divided into three categories: ABC, in which category C is the principal that is not guaranteed and may have losses. But this can't be said to be affected by the crude oil treasure incident, because investment and financial management are inherently risky, which is also informed in advance. If you can't accept the loss of principal, you can choose the product with guaranteed capital, so don't worry too much!
The crude oil treasure incident happened under extremely complicated circumstances, and the whole process was tortuous. I don't comment here, but the nature of crude oil treasure is different from the wealth management products of your other banks!
Crude oil treasure is just a product that helps retail investors get the threshold for trading futures crude oil. Bank of China plays the role of market maker. It is up to you to decide how much to short. At most, it will give you an early warning or compulsory liquidation when the large fluctuation reaches a certain limit. In other words, BOC will not be responsible for your income risk unless it is warned and liquidated in extreme cases (of course, this extreme situation is irresponsible. I don't know how he had the cheek to ask investors to chase the deposit.
To put it bluntly, I just provide you with a gambling platform. How to gamble is your own business, and you have to pump water for me, so the best I can do is to remind you, or I won't let you gamble even if you lose all your savings!
Wealth management products are different. A wealth management product is that you give money to the bank to help you take care of it, and the bank helps you invest to get income. Since he is responsible for your investment, the risk is now controlled by the bank. Although investment is not guaranteed, investment traders in banks are also experienced. Even if there is a loss, the bank will try its best to stop the loss in time. If it is not responsible for you, it will be responsible for its own products! Moreover, low-risk wealth management products promise to protect the capital, so don't worry too much unless the bank fails.