As far as the whole wealth management industry in China is concerned, there are still many irregularities. Many offline wealth management companies are obviously selling dog meat, saying that good wealth management products will become insurance policies as soon as they are available. Even some big banks have played this trick under the guidance of performance, nominally selling wealth management, but actually guiding customers for some insurance companies, as well as various flying orders.

At present, when allocating assets, bank wealth management products will allocate some high-risk financial derivatives such as futures and options without considering the expected rate of return. Especially some elderly people go to the bank to buy wealth management. It is estimated that they just heard that the expected return is relatively high, and they are not clear about the whereabouts of the investment funds. Even if the people in the bank tell them, they can't understand it, as long as the return is high.

If you don't take a generic name "bank financing" after packaging, there is a bank endorsement. However, if we take these products apart, we will find that the funds are invested in some areas that even the stock speculators are unwilling to touch-options, futures and other derivatives.

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