High returns are inevitably accompanied by high risks, and the expected rate of return does not represent the actual rate of return. Most of the short-term high-interest wealth management products of banks are non-guaranteed floating income products. If you want to buy high-interest wealth management products, don't shoot blindly. Even relatively mature investors should be fully alert to risks in the face of changes in wealth management products.

For investors who lack common sense in financial management, if they want to buy high-interest wealth management products, they should consult professionals in detail, read the product manual carefully, do a good job in risk assessment, and don't blindly shoot.

Extended data wealth management products are not covered by the Deposit Insurance Regulations, breaking the inertia of "rigid payment" of banks in the past. If the bank goes bankrupt, the wealth management products sold will be invalid, and its impact is extraordinary.

Because the amount of wealth management products issued by banks is huge, there are many people involved. Relevant data show that at the end of 20 14, the balance of wealth management products issued by commercial banks to individuals reached 15 trillion yuan, an increase of 4.82 trillion yuan over the beginning of the year and a year-on-year increase of 47. 16%. The total amount of wealth management products accounts for about 20% of all residents' savings deposits.

It can be seen that wealth management products are not paid by deposit insurance funds, which are directly related to the investment safety and vital interests of hundreds of millions of people, and cannot be taken lightly.

Obviously, it is imperative to build a "firewall" for the risk of wealth management products. Preventing the risks of wealth management products requires the joint efforts of banks, the public and government regulatory authorities.

First of all, banks should conduct a comprehensive investigation of the issued wealth management products, announce the risk status in time, and dispel people's excessive concerns. At the same time, all new wealth management products issued or sold in the future should be open and transparent, and truthfully explain the risk status to those who buy wealth management products.

People's Network-Risk of wealth management products should be vigilant

People's Network-Beware of the increased risk of wealth management products