With the hot Internet finance, more and more people begin to contact and use wealth management products. As a product launched by China Merchants Bank, Chaochaobao has attracted many users, but many people are worried about whether their funds will lose money. This paper will analyze whether Chaochaobao Finance will lose money from many angles.

First, the risk of the product itself.

Chaochaobao docked with a money fund, not a capital preservation product, which means that Bao Chao in the Ming Dynasty may lose money, but historically, the probability of losing money is not great.

Second, the risk control of Chaochaobao

Chaochaobao is a product launched by China Merchants Bank, which is a joint-stock commercial bank and a formal domestic commercial bank. Established in 1987 Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by a legal person in China, and the first national pilot bank to promote banking reform from outside the system. Therefore, the products launched by China Merchants Bank will undergo strict screening and review.

To sum up, Chao may lose the principal, but the probability of losing the principal is not great. Investors need to make adequate risk assessment and sufficient risk awareness. Of course, for individual investors, we should also choose a stable investment method and not covet high returns. At the same time, investors are advised to pay attention to the changes of macroeconomic environment and policy factors, and fully supervise and control their investments.