Financial products and certificates of deposit are two different things. If a friend introduces a wealth management product and deposits 200,000 yuan, there will be problems. It is best to go to the bank to handle wealth management products, if it is a large deposit certificate. This should belong to the bank. The wealth management company does not belong to the certificate of deposit. As long as it's a flyer. This is a deposit that must be handled in the bank. The certificate of deposit handled by the bank is guaranteed. Protected by law and underwritten by insurance companies. 500,000 yuan per household. In other words, if the bank goes bankrupt, each household can get a premium of no more than 500 thousand. If the repayment amount is more than 500 thousand. I think the company only gives 500 thousand. Deposit certificates of less than 500,000 yuan. Pay as much as you want.