You think too much, dear ... it's not a question that you think is unreliable, but a question that you can buy it. According to my colleague, this is very popular, and the promise that the benefits can be realized when it expires. At the beginning, her husband's colleague had relatives in the firm (that is, qinhuangdao bank), saying that it was more convenient to buy this internally, because the quantity sold outside was small, and a batch of goods were cleared quickly, and they were badly robbed. This product belongs to medium risk product in terms of risk attribution and yield. But because qinhuangdao bank has just been reorganized (formerly called a commercial bank), it should be a good product with low risk and high income. Why? Because the new bank will take the form of high-interest deposit in order to attract funds to increase the reserve stock (it used to be a high-interest time deposit, that is, a dead deposit, but now it is not allowed to make high-interest deposits, so it is changed to a cash wealth management product), so I predict that this product is definitely time-sensitive and may be cancelled or adjusted after a while. I said a lot, but I didn't say whether what you want to know will lose money. Except for extreme situations such as war, earthquake and tsunami, low-risk products are basically bound to achieve the promised annualized rate of return, but the rate of return is lower, slightly higher than that of one-year time deposits in the same period; Medium-risk products may not reach the promised annualized rate of return due to market influence, but they will not lose money and have a medium rate of return; High-risk products may lose money, delay the repayment of principal and interest, but have a high yield. Personally, I think this product is good, it is a high-yield product with low surface risk and can be considered. However, I personally use Yu 'ebao ~ because I can calculate interest on a daily basis, which does not affect my consumption at any time.

Said a lot, I hope I can help you!