Linked wealth management products add a certain derivative product structure on the basis of customers' ordinary deposits, and link wealth management income with various parameters of international and domestic financial markets, such as exchange rate, interest rate, bonds, a basket of stocks, funds and indexes. Therefore, while structured wealth management products are guaranteed at maturity, investors have the opportunity to obtain higher returns than traditional deposits. At the same time, linked wealth management products have a wide investment range and various design forms, which can meet the needs of investors with different risk preferences in terms of time limit, liquidity, investment style and market views, and have flexible and diverse advantages.