1. The issuing entities are different. There is no doubt that the bank's self-financing products are products issued by the bank itself. Usually, there will be a complete series. For example, a bank manages a certain amount of money and enjoys it. And there will be obvious signs. The wealth management products on consignment are products issued by consignment agencies. For example, banks sell products of insurance companies on a commission basis, which means that they sell products of insurance companies on a commission basis.

2. The risk level requirements are different. The wealth management products operated by banks are generally products with fixed expected income. Relatively speaking, the risk is low, and investors are only required to be conservative investors or above in risk assessment. However, if it is a Public Offering of Fund product consignment, it requires investors with a risk level of more than stable to participate;

3. The participation threshold is different. The relative participation threshold of bank self-operated wealth management products is relatively low, generally starting from 50 thousand yuan, and the threshold of consignment wealth management products is uncertain. If it is an insurance product, the threshold is not high, but if it is a private equity fund wealth management product, the requirements are relatively high, generally requiring a single initial investment of more than 6.5438+0 million yuan;

4. Different risk tolerance. Bank self-financing products have low risk, little loss in general principal and relatively good liquidity. However, wealth management products on consignment, such as insurance, have poor liquidity. If they are publicly offering funds, it is likely that the principal will suffer losses.

1, wealth management products, that is, products designed and issued by commercial banks and formal financial institutions themselves, are products that put the raised funds into relevant financial markets, purchase relevant financial products according to product contracts, and distribute them to investors according to the contract after obtaining the investment income.

2. The China Banking Regulatory Commission issued the Interim Measures for the Management of the Sales of Wealth Management Products of Wealth Management Companies, which strengthened the management of the sales process of wealth management products, clarified a number of prohibited acts in the sales process of wealth management products, and effectively protected the legitimate rights and interests of investors. These Measures shall come into force on June 27th, 20021year.