Many banks have lost principal in financial management, especially China Merchants Bank, Bank of Communications and Ping An Bank.

Caihui Financial statistics show that among the 184 financial products in operation, the latest annualized rate of return of 22 financial products is at a loss.

Among them, the top three wealth management products with the heaviest losses come from three Chinese banks: China Merchants Bank, Bank of Communications and Ping An Bank. Their latest annualized yield losses all exceed 10%.

These three financial products are: China Merchants Bank’s Active Strategy No. 5 financial product (3 years) of the Exclusive Rights Series, which currently has a loss of 30.29%; Ping An Bank’s Yingfeng 0712 Fund’s preferred RMB financial product, and its return rate so far shows that

The financial plan has lost 10.94%; the latest annualized rate of return of Bank of Communications' "Deli Baby Blue No. 12" RMB financial product (1.5 years) shows that the financial product is losing 10.16%.

There is no lower limit for losses of China Merchants Bank - 30% is still within the normal range. According to Caihui Financial statistics, China Merchants Bank's active strategy wealth management product No. 5 (3 years) of the exclusive rights series, the investment object is China Resources Shenzhen Investment Trust entrusted by China Merchants Bank.

China Resources Trust·Exclusive Rights Flexible Allocation No. 5 Fund Trust Plan (hereinafter referred to as the "Exclusive Trust Plan") established by the Company.

Judging from the introduction of China Merchants Bank, this trust plan mainly invests in stocks, warrants (limited to warrants obtained when subscribing for detachable bonds), securities investment funds, exchange bonds, and inter-bank markets that are publicly issued in accordance with the law in China.

Bonds and bond reverse repos, money market funds, bank deposits, low-risk bank financial products and other financial market instruments that comply with Chinese laws and regulations.

It is reported that China Merchants Bank is a financial management product specifically for private banking customers. Its purchase threshold is 500,000 yuan and the investment period is 3 years. It is a non-guaranteed floating income financial product and does not have a stop loss point.

This also means that if an investor subscribes to this financial product for 1 million yuan, when the net value per dollar of the financial product is 0.9533 yuan, its expected investment return will be -4.67%; if the net value per dollar of the financial product falls,

to 0.8088 yuan, the investor's investment rate of return at this time will be -19.12%; if the net value per yuan of the financial product is 1.5 yuan, then on the premise that the product plan is terminated early, the investment rate of return of the product will reach 15.25%

.