Banks should break the rigid payment and gradually reduce the issuance of capital-guaranteed wealth management products, but we find that many people still don't know the difference between low risk and low risk. In addition, different banks have different risk rating standards for wealth management products, so it may be a big obstacle for ordinary people to directly transition to non-guaranteed wealth management.

The risk rating standards of bank wealth management products are different.

Take a "low risk" wealth management product of a bank as an example. This product invests 10%-90% of the funds in money market instruments, bonds, non-standardized debt assets and trust plans, asset management plans of securities firms and financial management of special fund accounts. And it can fluctuate 10% according to the actual situation, that is, the highest proportion can reach 100%.

Another bank's "low-risk wealth management products", 20%- 100% invested in highly liquid assets, including government bonds, central bank bills, financial bonds, bonds with a credit rating of not less than AA- and money market instruments, and 0%-80% invested in debt assets.

Comparing the above two, we can find that the so-called low-risk wealth management products basically include medium and low-risk investment fields, as well as relatively high-risk non-standardized bond assets and trust plans, so on the whole, this low-risk product has a higher risk level than the medium and low-risk products.

Users' understanding of risks is still not in place.

Many users go to the bank to deposit money and are introduced to buy wealth management products, but the staff often make some verbal promises when introducing them, such as no problem, so many expected benefits and so on.