Financial risk assessment is divided into five grades: R 1, R2, R3, R4 and R5. R 1 (cautious) low-risk category, with guaranteed principal and zero loss probability. Products include treasury bonds, deposit products, capital preservation and wealth management. R2 (robust) has low risk, does not break even, and the probability of loss is close to zero, such as the current wealth management products of banks and most of them. R3 (balanced) medium risk category, non-break-even, with fluctuating income and a certain degree, and low loss probability. Products include bonds and hybrid funds. R4 (business) has medium-high risk, no capital preservation, high principal risk, large income fluctuation and high loss probability. There are equity funds, private equity funds, trust products and other wealth management products. R5 (radical) high-risk category, with no capital preservation, high main risk, high income, high risk and high loss probability. There are also leveraged products such as futures.

1. When purchasing bank wealth management products, we may ignore the risk problem and think that the risks of wealth management products issued by banks are similar, so there is no need to subdivide them. In fact, the risk degree of different bank wealth management products is often very different. At present, the wealth management products issued by the Bank are divided into five risk levels: R 1, R2, R3, R4 and R5, which respectively represent low, medium, medium and high risk levels. The investment groups suitable for purchase are conservative, steady, balanced, enterprising and radical. The role of banks in financial management is to manage funds on behalf of customers and provide intermediary services for investors. They are not users of funds, which is why banks do not need to cash out wealth management products after losses. Investors' funds flow to different fields, which will produce different investment risks, so there is a risk classification.

2. Generally speaking, for R 1 wealth management products, funds are mainly invested in financial assets such as interbank lending, foreign exchange market bonds, interbank lending and trust plans. The risk of this level of wealth management products is close to zero, and it is rarely affected by risk factors such as market fluctuations and changes in policies and regulations. The investment direction of R2-level wealth management products is the same as that of R 1, but the proportion of R2-level wealth management products in assets with slightly higher risks is higher. The probability of principal loss of this level of wealth management products is also relatively low, and the fluctuation of income is relatively controllable.

3.R3 products expand the scope of capital investment. In addition to investing in highly volatile financial products such as bonds and interbank deposits, you can also invest in highly volatile financial products such as stocks, commodities and foreign exchange, but the investment ratio of the latter does not exceed 30%. Wealth management products with this risk have low probability of principal loss and unstable expected income. The proportion of R4 products linked to highly volatile financial products such as stocks, gold and foreign exchange can exceed 30%. This kind of risk-level wealth management product has high probability of principal loss and great uncertainty of expected return, which is suitable for active investors. R5 products can be fully invested in financial products with high volatility, such as stocks, foreign exchange and gold. , you can also invest through derivatives trading, stratification and other leveraged ways. This level of wealth management products has high probability of principal loss and high uncertainty of expected income, which is suitable for radical investors.