Risk assessment can be conducted at bank outlets or mobile banking. Investors generally need to go to the bank counter for risk assessment when investing for the first time. Bank outlets need to carry ID cards and bank cards for risk assessment, which can be carried out directly on the intelligent teller machine or under the guidance of staff.

Second, how to do the risk assessment of bank financing?

Although the test contents of risk assessment of banks are slightly different, they are all similar. The contents of risk assessment generally include the age, monthly salary and investment experience of investors. According to the different evaluation scores, investors' risk tolerance can be divided into five categories: conservative, steady, balanced, growth and enterprising.

Investors can only buy products with a risk rating equal to or lower than their risk tolerance. For example, if an investor's evaluation result is stable, then only stable or conservative wealth management products are allowed when purchasing bank wealth management products.

Three. Problems needing attention in risk assessment of bank financial management

1. Risk assessment results are not binding on wealth management products.

The risk assessment of bank financing plays a mandatory role in bank financing products. If the bank wealth management manager operates normally, investors can't buy products with offside risk. But the fund is different. Even if the risk assessment is conservative, you can buy products with higher risks such as stock funds. Although the communication at the time of purchase may prompt that the products purchased are inconsistent with the risk assessment results, many investors completely ignore this point.

2. Risk assessment is just a form.

Investors with weak risk awareness don't pay attention to risk assessment, fill in the assessment answers at will, or let the bank wealth management manager mislead and change the assessment information at will, resulting in errors in the assessment results and buying wealth management products that are not suitable for them.

Four. What are the levels of financial risk assessment?

The financial risk assessment is divided into five grades: R 1, R2, R3, R4 and R5.

1, R 1 (cautious) low-risk, capital preservation, zero loss probability, products include national debt, deposit products, capital preservation and wealth management, etc.

2.R2-level (robust) low-risk category, non-principal-guaranteed, and the loss probability is close to zero, such as bank current wealth management, most bank wealth management and other wealth management products.

3.R3 (balanced) medium risk category, non-principal-guaranteed, fluctuating income and low loss probability. Products include bonds and hybrid funds.

4.R4 (aggressive) is a medium and high-risk category, which is non-principal-guaranteed, with high principal risk, large income fluctuation and high loss probability. There are equity funds, private equity funds, trust products and other wealth management products.

5.R5 (radical) high-risk category, non-principal-guaranteed, with high principal risk, high income, high risk and high loss probability, with leveraged products such as futures.