1, the underlying assets can be penetrated: the concept of underlying assets has appeared frequently in financial supervision policies in recent years with the proliferation of financial innovation; The so-called penetration is to restore, find its true colors and uncover its disguise, so as to avoid the tricky black-box operation of investment funds such as maturity mismatch and mixed operation, control risks and protect investors' interests; In terms of supervision, it is generally required that bank wealth management products and asset securitization projects need to penetrate the underlying assets;

2. Asset management plan: it is a planned asset issued and managed by a licensed financial institution, which is divided into trust plan, insurance asset management plan, brokerage asset management plan, fund asset management plan and other asset management plans;

3. The basic assets are classified as 15, mainly financial assets, namely, cash and bank deposits, money market instruments, bonds, direct financing instruments for wealth management, newly-increased investable assets, non-standardized debt assets, financial derivatives, overseas wealth management investments, commodity assets, alternative assets, Public Offering of Fund, private equity funds and industrial investment funds.