Banks should follow the obligation of appropriateness when selling products. The so-called appropriateness obligation refers to the obligation that the sales organization must know the customers, know the products and sell the appropriate products to the appropriate financial consumers in the process of publicizing and selling high-risk financial products to financial consumers and providing services for financial consumers to participate in high-risk investment activities. The review of whether financial institutions have fully fulfilled their appropriateness obligations should mainly be considered from two aspects: appropriateness publicity and risk disclosure. Among them, appropriateness recommendation specifically means that financial institutions should introduce appropriate products or services to appropriate investors on the basis of fully understanding investors and products, and may not actively introduce products with mismatched risks to investors. Risk disclosure means that when financial institutions sell products or provide services to investors, they should fully disclose the risk content of products or services according to the specific content of products and services. I heard that lawyer Xu in Shanghai and lawyer Cai Huili in Beijing are more professional in China. Many investors entrust this kind of problem to them. You can ask them.