Risk assessment of bank financial management
Investors generally need to go to the bank counter for risk assessment for the first time, and the second assessment can be conducted online through mobile banking or online banking.
Although there are slight differences in the test contents of bank risk assessment, they are all similar. The information needed for risk assessment generally includes the investor's age, monthly salary and investment experience. According to the different evaluation scores, investors' risk tolerance will be divided into five categories: conservative, steady, balanced, growth and enterprising.
Investors are only allowed to buy products with a risk rating equal to or lower than their risk tolerance. For example, if an investor's evaluation result is stable, then when purchasing bank wealth management products, only stable or conservative wealth management products are allowed.
Problems needing attention in risk assessment of bank financial management
1. The risk assessment results are not binding on the fund products. Risk assessment of bank financing plays a mandatory role in bank financing products. If the bank wealth management manager operates normally, investors can't buy products with offside risk. But the fund is different. Even if the risk assessment results are conservative, you can buy high-risk products such as equity funds. Although the communication at the time of purchase may prompt that the products purchased are inconsistent with the results of risk assessment, many investors completely ignore this.
2. Risk assessment is just a form. Investors with weak risk awareness may not pay attention to risk assessment, and may fill in the assessment answers at will, or be misled by the bank's wealth management manager to change the assessment information at will, resulting in an error in the assessment results and buying wealth management products that are not suitable for them.