With the continuous improvement of living standards, people are no longer satisfied with putting money in the bank to eat poor interest, and more people choose to use financial management to make their assets appreciate. In the field of financial management, the most popular is bank financial management. The reason is simple, because we trust banks, trust entities, and feel that there are banks. There's at least one thing that makes sense when something goes wrong. In a certain group, bank financing is considered as a risk-free financing method like deposits, the only difference is that this profit is higher. But is this really the case? Can bank financing really be foolproof? The answer is definitely no, otherwise there wouldn't be a recent uproar? The crude oil treasure incident happened. For example. What is the true face of wealth management products like crude oil treasure?

First, what is it? Crude oil treasure? Do you know that?/You know what? What's going on with the crude oil treasure? First, what is it? Crude oil treasure.

Crude oil treasure It is a wealth management product launched by Bank of China, which claims to be in the middle of the five-level rating of wealth management products. However, due to the huge fluctuation of crude oil price, the actual risk level has exceeded the bank's requirements for investors' risk level. Because of this year's epidemic, oil prices have been negative. The truth of crude oil treasure began to surface.

Second,? What is the true face of crude oil treasure? In essence, our account is a virtual account, and BOC participates in foreign transactions with its own funds, not from real-time customer account funds. Therefore, this led to the situation that investors lost all their investment and owed money to the bank. After a period of fermentation, coupled with the timely action of the regulatory authorities, in the end, Bank of China took that part of the warehouse, which was equivalent to the money that investors owed to the bank. However, it is still an unavoidable fact that investors have lost all their own principal.

Whether it is bank financing or other types of investment financing, investors need to be clear that investment is always risky, and even bank financing cannot avoid such a result. Therefore, when investors choose wealth management products, they still need to choose products according to their real strength, and must not blindly chase up and down.