1, because of the loss, it is negative. In 2022, the interest rate of rural commercial banks' wealth management did drop a lot, which was caused by the world environment. At present, the global epidemic is severe, which leads to the decline of national economy, which causes the global financial market to fluctuate greatly and the stock market, crude oil and futures continue to plummet.

2. Under the background of relatively abundant liquidity, the market interest rate will inevitably continue to decline, and the bank wealth management yield will further maintain the downward trend.

3. The net worth wealth management products of rural commercial banks are the least risky investment products. Net worth wealth management products have no expected income, and banks will not promise income. Financial management is risky and investment needs to be cautious.