Financial management is risky. According to China Economic Net, eight banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, Postal Savings Bank and Standard Chartered Bank, all said that at present, zero-income and negative-income wealth management products account for a small proportion of all bank products, and some of them are less than 1% of the bank product issuance scale, which is still normal. ?

At present, the risks and benefits of wealth management business of commercial banks in China are good, and most wealth management products have achieved positive returns, which are much higher than the time deposit interest rate. In 2008, among the 3.7 trillion yuan wealth management products raised by commercial banks, the loss ratio was less than 2%, and the loss rate was less than 1.7% by amount.

At present, the risks of wealth management products of major banks are divided into:

1, risk-free financial product R 1

Bank deposits and national debt

2. Low-risk wealth management product R2

Money market fund or partial debt fund

3. Medium-risk wealth management product R3

Structured wealth management products (general fixed wealth management products of banks, such as 28- several years)

Income ratio R3 & gtR2 & gt；; R 1

Therefore, risk and income go hand in hand, and the higher the risk, the higher the income.

Agricultural Bank of China's wealth management products are also divided into three risk levels.

Extended data

In the face of loss-making wealth management products, should we continue to hold them or redeem them in advance? Han Ying, a senior researcher at the Oriental Wall, believes that investors should "look around" before deciding whether to continue holding or redeeming.

Look at the product structure. First of all, you have to see if you know the target of the hook. Some wealth management products are linked to overseas targets, and it is difficult for investors to even inquire about the data, let alone understand it in depth. You need to be very cautious about your unfamiliar and uncertain goals. ?

Second, look at the possibility of income realization. Some wealth management products set income conditions within a certain period of time, while others are limited to a certain observation day. Only on this day can the stock rise much to reach the rate of return. In contrast, the probability of realizing benefits in an observation interval is high, while the probability of realizing benefits on a certain observation day is low. ?

Third, look at product terminology. Wealth management products have a short one-year term, and many loss-making wealth management products are issued at a high level in the stock market, with harsh income conditions. Now the stock index has been halved. Such short-term wealth management products have all lost money, and there is no chance to turn over the book.

However, some wealth management products have a long term, especially those issued by foreign banks. Some of them have a longer term, five or six years, and the designed structure is also better. Even if you lose money now, you may turn losses into profits, so you may wish to hold it for a long time. ?

Fourth, look at the redemption conditions. Some wealth management products are not allowed to be redeemed in advance, some can only be redeemed at a specific time, and some have to pay redemption fees. The redemption cost of many wealth management products is much higher than that of funds. The redemption cost of wealth management products issued by a foreign bank is as high as 2%. ?

Han Ying reminded that there is one more thing to pay attention to. Although some wealth management products have capital preservation, they must be guaranteed at maturity. If you redeem it in advance, you may lose the principal. In this regard, investors must read the terms of wealth management products clearly. ?

China Economic Net-The expected income of bank wealth management products will drop again, depending on the loss-making products.