Because in 2022, the capital market is not peaceful, the securities fund market is basically losing money, and the international situation is also tossing. The online financial management of the Postal Savings Bank itself has a small income and unstable income, so it loses more than other financial management.

The so-called net wealth management products refer to wealth management products that truly reflect the discounted or realized value of basic financial assets, and investors enjoy floating income according to the actual operation of the products. The so-called net worth refers to the value of assets after discount or realization.

At present, banks' wealth management products are investing in capital markets such as the stock market in pursuit of high returns, but the problem is that these capital markets are falling, so how can wealth management products make profits? The bank's own interests cannot be guaranteed. How much interest can I give to depositors? At present, only bonds still maintain positive returns. The problem is that the income is very low, and banks can't guarantee the income of wealth management.