R 1 level (cautious type) The wealth management products at this level are generally guaranteed by the bank 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. Extended information: China Merchants Bank guarantees the full repayment of the principal of this level of wealth management products, 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.

There are five risk levels for bank fund products, and the order of risk from low to high is: cautious products (R 1), stable products (R2), balanced products (R3), aggressive products (R4) and radical products (R5).