pr3 is a risk rating for financial products. pr3 is a balanced type and is a moderately risky financial product. This type of product does not protect the principal, and risk factors may have a certain impact on the principal and expected returns.

In order to protect the interests of investors, banks will shorten or extend the fundraising period according to market changes, and advance or delay the establishment of financial products.

When products are advanced or postponed, the bank will adjust the relevant dates and disclose information.

PR3-level financial products invest in bonds, deposits and other highly liquid assets, including but not limited to various types of bonds, deposits, money market funds, bond funds, pledged repurchases and other money market trading instruments.

Extended information: Bank financial products can be divided into five levels according to risk assessment: R1 (cautious), R2 (sound), R3 (balanced), R4 (aggressive), and R5 (aggressive).

It explains in detail the financial products of PR1, PR2, and PR3.

PR1 risk level is generally the lowest. Purchasing PR1 financial products will guarantee the principal, or the product returns will be little affected by risks and have high liquidity. They are prudent investment and financial products and are suitable for novices who have just started financial investment.

client.

Compared with PR1 financial products, PR2 financial products have slightly higher risks. The product does not protect the principal, or the product income structure has a lot of uncertainty. It is a stable investment and financial product, suitable for those who have some financial management experience and have certain liquidity on hand.

Stable customers.

Extended information: Types of financial products Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.

1. Bond investment is in the money market, and the investment products are generally central bank bills and corporate short-term financing bonds.

Because central bank bills and corporate short-term financing bills cannot be directly invested by individuals, this type of RMB financial products actually provides customers with the opportunity to share the income from money market investments.

2. Trust-type investments include trust products guaranteed or repurchased by commercial banks or other financial institutions with higher credit ratings. There are also products invested in trusts for the beneficiary rights of commercial banks’ high-quality credit assets.

3. The final yield of linked products is linked to the performance of relevant markets or products, such as linked to exchange rates, linked to interest rates, linked to international gold prices, linked to international crude oil prices, linked to the Dow Jones Index and Hong Kong stocks, etc.

4. QDII type The so-called QDII, that is, qualified domestic investment institutions to conduct overseas financial management on behalf of clients, refers to commercial banks that have obtained the qualification to conduct overseas financial management business on behalf of clients.

QDII-type RMB financial products, to put it simply, mean that customers entrust their RMB funds to qualified commercial banks, and the qualified commercial banks will convert the RMB funds into U.S. dollars and invest directly overseas. After maturity, the U.S. dollar income and principal will be settled into

Wealth management products allocated to customers after RMB.