The financial risks of banks are divided into five grades, namely, low risk is R 1, medium and low risk is R2, medium risk is R3, medium and high risk is R4 and high risk is R5. The types of investors corresponding to risks are cautious, steady, balanced, enterprising and radical.

R 1 Wealth management products at this level are generally guaranteed by banks to repay the principal in full, and the product income changes with the investment performance, which is less affected by risk factors such as market fluctuations and changes in policies and regulations. Products are mainly invested in low-risk financial products such as high-credit bonds and money markets.

R2 wealth management products are mainly various money market funds or partial debt funds, which are invested in interbank lending market and bond market. Both markets have the characteristics of low risk and low return, and the specialized and diversified investments made by fund companies further reduce their risks.

Tips: There are risks in entering the market, so you need to be cautious in investing. Before making any investment, make sure that you fully understand the investment nature and risks involved in the product, and then judge whether to participate in the transaction by yourself after carefully understanding and evaluating the product.

Reply time: September 29, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.

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