1, the theme of this issue

There is no doubt that the bank's self-financing products are products issued by the bank itself. Usually, there will be a complete series. For example, a bank manages a certain amount of money and enjoys it. And there will be obvious signs. The wealth management products on consignment are products issued by consignment agencies. For example, banks sell products of insurance companies on a commission basis, which means that they sell products of insurance companies on a commission basis.

2. Risk level requirements

The wealth management products operated by banks are generally products with fixed expected income. Relatively speaking, the risk is low, and investors are only required to be conservative investors or above in risk assessment. However, if it is a Public Offering of Fund product consignment, it requires investors with a risk level of more than stable to participate;

3. Participation threshold

The relative participation threshold of bank self-operated wealth management products is relatively low, generally starting from 50 thousand yuan, and the threshold of consignment wealth management products is uncertain. If it is an insurance product, the threshold is not high, but if it is a private equity fund wealth management product, the requirements are relatively high, generally requiring a single initial investment of more than 6.5438+0 million yuan;

4. Risk tolerance

Bank self-financing products have low risk, little loss in general principal and relatively good liquidity. However, wealth management products on consignment, such as insurance, have poor liquidity. If they are publicly offering funds, it is likely that the principal will suffer losses.