Risk rating of bank wealth management products: from low to high, it is divided into five levels: R 1 (cautious), R2 (steady), R3 (balanced), R4 (enterprising) and R5 (enterprising).

1 and R 1 grades (cautiously) guarantee the full repayment of the principal, and the products are mainly invested in low-risk financial products such as high-credit bonds and money markets.

2.R2 level (steady type) does not guarantee the repayment of principal, but the principal risk is relatively small and the income fluctuation is relatively controllable.

3.R3 level (balanced type) does not guarantee the repayment of the principal, which has certain principal risk and fluctuating income.

4.R4 level (enterprising) does not guarantee the repayment of principal, and the principal risk is high, and the income fluctuates greatly, so the investment is easily affected by market fluctuations, changes in policies and regulations and other risk factors.

5.R5 (radical type) does not guarantee the repayment of the principal, and the principal risk is extremely high. At the same time, the income fluctuates greatly, and the investment is easily affected by risk factors such as market fluctuations and changes in policies and regulations.