Or you can buy some wealth management funds from Xi 'an Bank, and the bank account manager will ask you to fill in the risk assessment before you can buy some wealth management funds. The bank will give you some financial funds according to your risk assessment requirements, so you will find that sometimes, your friends can buy some high-yield funds, and you can only buy low-yield funds, which is the result of risk assessment.
Look at two extreme examples. There is no risk in the bank's time deposit and the interest income it can give is very low. One-year deposit interest is only 1.75%. P2P loans, which were popular a few years ago, were basically aimed at the junk debts of small enterprises that could not make money in the conventional capital market. Its risk is very high, so the income it gives can even reach 30% every year. From these two examples, we can see that the rate of return is the pricing of risk in a certain sense. The higher the risk of assets, investors will demand higher returns to make up for the risk of holding such assets.