Everbright Bank's agency sales of pension financial products may not be completely reliable.

Products such as deposits and treasury bonds are certainly very safe, but there are many types of financial products.

Financial management products sold by banks are divided into self-operated financial management and agency financial management. The former is issued by banks, and the latter is issued by other financial institutions. The bank is just a sales channel. On the surface, self-operated financial management is safer than agency financial management, but

It cannot be generalized from a segmented perspective.

The insurance we are talking about here does not include consumer medical insurance, property insurance, etc., but life insurance with financial management and pension properties.

Banks are a very important sales channel for insurance products. Some products are not easy to sell in insurance companies, but they become best-sellers in banks. This shows that people trust banks more than insurance companies.

The life insurance currently sold by banks is mainly long-term annuity insurance, with a term of more than 5 years.

The principal of this type of product is very safe and there is no risk of loss, but the rate of return is very low, even lower than that of money funds.

In addition, in the past few years, banks sold a lot of universal insurance and investment-linked insurance, which have the characteristics of short term and high returns. However, due to the high risk of the product itself, it was later banned by the China Insurance Regulatory Commission. All short-term financial insurance with a term of less than one year has been sold out.

Even if it can still be issued, the period will be relatively long.

Universal insurance and investment-linked insurance are also life insurance. The former has a guaranteed rate of return, while the latter does not protect the principal, and there is a certain risk to the principal.