The risk levels of wealth management products are different. When investors buy wealth management products in banks, they need to fill out a risk assessment report and buy wealth management products within the risk tolerance range according to the risk assessment results. Products that exceed the risk tolerance level are usually not allowed to be purchased. So how to do a good job in risk assessment of bank financing?

First, how to do a good job in risk assessment of bank financing?

Investors generally need to go to the bank counter for risk assessment for the first time, and the second assessment can be conducted online through mobile banking or online banking.

Although the test contents of risk assessment of banks are slightly different, they are all similar. The information filled in the risk assessment generally includes the age, monthly salary and investment experience of the investor. According to the different evaluation scores, investors' risk tolerance can be divided into five categories: conservative, steady, balanced, growth and enterprising.

Investors can only buy products with a risk rating equal to or lower than their risk tolerance. For example, if an investor's evaluation result is stable, then only stable or conservative wealth management products are allowed when purchasing bank wealth management products.

Two. Problems needing attention in risk assessment of bank financial management

1. The risk assessment results are not binding on the fund products.

The risk assessment of bank financing plays a mandatory role in bank financing products. If the bank wealth management manager operates normally, investors can't buy products with offside risk. But the fund is different. Even if the risk assessment is conservative, you can buy high-risk products such as stock funds. Although the communication at the time of purchase may prompt that the products purchased are inconsistent with the risk assessment results, many investors completely ignore this point.

2. Risk assessment is just a form.

Investors with weak risk awareness don't pay attention to risk assessment, fill in the assessment answers at will, or let the bank wealth management manager mislead and change the assessment information at will, resulting in errors in the assessment results and buying wealth management products that are not suitable for them.

The above content is about how to do a good job in risk assessment of bank financing, and I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.