1. Wealth management products refer to financial products issued by banks and formal financial institutions, which put the raised funds into relevant financial markets or buy relevant financial products according to the contract, and then distribute the proceeds to investors according to the agreement. There are mainly these types of wealth management products: bond type, trust type, linked type and QDII type, including savings, funds, national debt, bonds, foreign exchange, stocks and speculation.

Second, investment and financial management, investment and financial management means that investors manage and allocate the assets of individuals, families, enterprises and institutions by reasonably arranging funds and using investment and financial management tools such as savings, bank financial products, bonds, funds, stocks, futures, commodity spot, foreign exchange, real estate, insurance, gold, P2P, culture and art, so as to achieve the purpose of maintaining and increasing the value, thus accelerating the growth of assets. The word "investment and financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular.

3. Trust is a kind of property management system, and its core content is "entrusted by the trustee to manage money on his behalf". Specifically, it refers to the act that the trustor entrusts his property rights to the trustee based on his trust in the trustee, and the trustee manages or disposes in his own name for the benefit of the beneficiary or for a specific purpose according to the wishes of the trustor. In 20 10, the issuance scale of the trust market was 3 trillion, with an annual growth rate of over 30%. The income of trust wealth management products can be fixed or floating. The mainstream products in the market are still dominated by fixed rate of return, with an annual income of 9- 13%, which is the biggest selling point of trust wealth management products. Trust plan products are generally infrastructure trust plans with excellent qualifications and stable income, and most of them are guaranteed by third-party banks, which is slightly safer than simple trust investment projects. At the same time, in the process of investment, banks will constantly monitor and track the trend of loans to avoid the investment risks of trust projects to the greatest extent.