The risk assessment of fund products should be based on at least the following four factors: first, the investment direction, investment scope and investment ratio stated in the fund prospectus; Second, the historical scale and position ratio of the fund; Third, the historical fluctuation degree of the fund's past performance and fund net value; Fourth, whether there are any irregularities since the establishment of the fund. At the same time, factors such as liquidity, term, leverage, structural complexity, minimum investment, and fundraising methods are comprehensively considered.