Risk level r3 belongs to medium risk financial management, and its main purpose is to ensure the safety of assets and obtain the maximum income. Financial assets are mainly invested in deposits, bonds, stocks, foreign exchange and other financial assets, which are suitable for investors with certain risk tolerance. Risk level r4 belongs to medium-high risk financial management, and its main purpose is to obtain excess returns. Financial management mainly invests in financial assets such as deposits, bonds, stocks, foreign exchange and option futures. , risky, suitable for investors with greater risk tolerance.

First, the level of risk.

According to the Measures for the Administration of Investor Suitability, investors are divided into five categories: C 1 conservative, C2 cautious, C3 conservative, C4 active and C5 radical. Securities products are also divided into five categories from low to high: R 1 low risk, R2 medium and low risk, R3 medium risk, R4 medium and high risk and R5 high risk.

Second, the risk classification

The role of banks in wealth management is to manage wealth on behalf of customers and provide intermediary services for investors. They are not users of funds themselves, which is why banks do not have to pay for wealth management products after they lose money. When investors' funds flow to different fields, there will be different investment risks, so there is a risk classification.

Generally speaking, the funds of R 1 wealth management products are basically invested in financial assets such as inter-bank bonds, exchange market bonds, capital lending and trust plans. This level of wealth management products is close to zero risk and is rarely affected by risk factors such as market fluctuations and changes in policies and regulations.

R2-level wealth management products, the capital investment is similar to R 1, but the allocation ratio is larger in assets with slightly higher risks. The probability of principal loss of this level of wealth management products is also relatively low, and the fluctuation of income is relatively controllable.

For R3 grade products, the scope of capital investment has been expanded. In addition to 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%. The probability of principal loss of this kind of risky wealth management products is low and the expected income is unstable.

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 a higher probability of principal loss and greater uncertainty of expected income realization, 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, and they can also be invested by leverage amplification such as derivatives trading and stratification. This level of wealth management products has a high probability of principal loss and great uncertainty of expected income, which is suitable for radical investors.