① Fixed-income wealth management products: refers to wealth management products with fixed income. However, since the introduction of the new asset management regulations, banks rarely have fixed-income wealth management products.

② Equity wealth management products: refers to wealth management products that invest in equity assets such as stocks and funds with a proportion of not less than 80%. Equity bank financing is a kind of high-risk and high-yield bank financing, and investors should buy it carefully according to their own risk tolerance.

(3) Commodity and financial derivatives wealth management products: refers to wealth management products that invest in foreign exchange, futures and other commodities and derivative financial products with a proportion of not less than 80%, and are scarce products for bank wealth management.

④ Mixed wealth management products: refers to wealth management products that invest in creditor's rights assets, equity assets, commodities and financial derivative products, and the investment ratio of any asset does not meet the product standards of the aforementioned types.

2, according to the operation mode.

① Closed-end wealth management products: refers to wealth management products that investors are not allowed to subscribe or redeem during the product duration.

② Open-ended wealth management products: refers to wealth management products that can be purchased or redeemed within the specified trading hours of each legal working day.

3. According to the method of drawing points.

① Public offering of wealth management products: refers to the wealth management products publicly issued by commercial banks to qualified unspecified investors.

(2) Private wealth management products: refers to wealth management products issued by private means only for qualified specific investors.

4. Divide by currency.

① RMB wealth management products: refer to low-risk wealth management products issued by banks to individual customers with the investment income of RMB bonds with high credit rating (including bonds such as treasury bonds, financial bonds and central bank bills) as the guarantee, and pay the principal and income to customers at maturity.

② Foreign currency wealth management products: When individuals purchase wealth management products, the currency is only freely convertible foreign currency, and the income is also calculated by the value of foreign currency, mainly investing in foreign exchange and derivatives in the international market.

③ Dual-currency wealth management products: RMB is used as the investment principal, and the deposit interest generated by RMB during the investment period of the products is converted into US dollars, and then this US dollar is used as the investment principal, and the operation mode of foreign currency wealth management products is adopted. The income and principal generated by USD are returned in USD as the overall income of dual-currency wealth management products.

5. According to the investment period.

According to the investment period of wealth management products, bank wealth management products can be divided into several periods: 1 month, 1 to 3 months, 3 to 6 months, 6 months to 1 year, 1 year or more.

6. According to the risk rating.

①r 1 grade (cautious): low risk, guaranteed capital and financial management, suitable for investors with extremely poor risk tolerance, not pursuing high returns, and the most important thing is to ensure the safety of principal.

②R2 level (steady type): medium and low risk, non-guaranteed wealth management, suitable for investors who have certain risk tolerance and pursue stable income.

③R3 level (balanced type): moderate risk, fluctuating income, no excessive risk avoidance and no pursuit of income.

④R4 level (enterprising): medium and high risk, suitable for investors who pursue profits and can bear certain losses.

⑤R5 level (radical type): High-risk, extremely radical investment, with the goal of profiteering, and can also accept large losses. Banks rarely have such wealth management products.