Bank financing is purchased by the elderly or people with more wealth. After all, the minimum purchase threshold is 50,000 yuan. They put most of their money in the bank, thinking that there is no safer place than the bank. On the contrary, products like Yu 'ebao are not very safe, and the Internet gives people a feeling that it is not very reliable.
It can be seen that the images of Yu 'ebao and bank wealth management in different groups of people are completely different, so which one is safer?
Personally, I think both of them belong to low-risk wealth management products, which are relatively safe, but safer than either one, and should be divided into guaranteed and non-guaranteed wealth management.
Bank wealth management is divided into five risk levels, 1 is guaranteed wealth management, 2-5 is non-guaranteed wealth management, and most of them are level 2. According to the monitoring data of Rong 360, 30.24% of the wealth management products have a risk level of 1, 58.75% have a level 2 wealth management product, 0.83% have a level 3 wealth management product and 0. 18% have a level 4-5 wealth management product.
1 The wealth management products are guaranteed, and there will be no losses; Although the secondary wealth management products are nominally non-guaranteed, the probability of loss is close to zero. Excluding the structural wealth management with floating income, the probability of realizing the expected income can reach 99%, and the proportion of 1-2 wealth management products is close to 90%.
Level-3 wealth management products have moderate risks and large fluctuations in returns. The principal may be lost, but the magnitude will not be too great. 4-5 wealth management products are very risky, equivalent to stock funds and index funds. There may be high gains or big losses. Of course, most of these wealth management products are sold to high-net-worth customers of banks or private banking customers, which ordinary people can't buy.
To sum up, 90% of bank wealth management products are safe and reliable, and there will be no loss.
Let's talk about Yu 'ebao. The essence of Yu 'ebao is a money fund, which belongs to non-guaranteed wealth management, so it may lose money. There have been money funds losing money in the history of the world, but there has never been a money fund losing money in the history of China.
The money fund Yu 'ebao also has a risk rating, which belongs to 1. In other words, although it is nominally not guaranteed, it is equivalent to guaranteed financial management.
In this way, Yu 'ebao is at a risk level with bank financing with a risk level of 2.
Taken together, the conclusion is that the risks of the following products increase in turn:
The risk level is 1