yes; At the end of November last year, dozens of investors suddenly discovered that a wealth management product they bought at Huaxia Bank Shanghai Jiading Sub-branch had lost all their money after its expiration, involving hundreds of millions of yuan. At present, this incident has made important progress, and the customer has got back all the principal. According to the investor, a transfer agreement has been signed with a company named Zhongfa Investment Guarantee, which is the guarantee company of Zhongding wealth management products purchased by the investor.

The order of risks is:

Treasury bonds-bank deposits-bank wealth management products-money funds-stocks, hybrid funds, etc.-stocks

It is recommended to choose products according to your tolerance for risks;

the probability of this happening is very small. Bank wealth management products generally invest in cash, treasury bonds, bonds, and of course stocks, funds, and real estate trusts, but this situation of losing all one's money is unlikely to happen.

what really loses everything is private lending.

Why does the bank's financial management, which has always been steady, lose money?

bank wealth management products can be divided into guaranteed and non-guaranteed products. Generally, even if the capital-guaranteed wealth management products suffer losses, banks must protect the investors' principal and hold them in their hands for "stable happiness". However, since the introduction of the new regulations on asset management, the days of buying wealth management products are gone forever.

The new asset management regulations introduced in 218 pointed out that "financial institutions should not promise to protect capital and income when they carry out asset management business. When there are difficulties in redemption, financial institutions may not advance payment in any form. " The transition period of the new asset management regulations is until the end of 221, which means that by the end of this year, the guaranteed wealth management products will be officially launched on the historical stage.

At the same time, net-worth products come out with the trend. The so-called "net-worth wealth management products" mean the marketization of investment income. In fact, the investment income is whatever it is, and there is no fixed income. With the net transformation of bank wealth management products, it may be more common for bank wealth management products to have negative returns.