Generally speaking, the wealth management products sold by banks are more reliable. This reliability does not mean that the wealth management products sold by banks are risk-free, but that the wealth management products sold by banks are legal and compliant, and the money invested will not be swept away. Generally speaking, the risk of bank consignment of wealth management products is higher than that of direct selling wealth management products, which usually include various funds, trusts, insurance wealth management, gold and so on. These products are not directly issued and operated by banks, and banks are only responsible for sales. Investors should pay attention to the following aspects when purchasing wealth management products on a bank commission basis:

1. Liquidity and investment period of wealth management products sold by banks. Generally speaking, bank wealth management products have a certain closed period. If investors need to redeem in advance in an emergency, they may have some losses or be unable to withdraw in advance. Investors are advised to plan their funds well before buying, and not to blindly choose financial products with long investment period in pursuit of high returns.

2. There may be information asymmetry risk in wealth management products sold by banks. Because the wealth management products sold by banks are usually operated by third-party institutions, banks do not guarantee such wealth management products, and ordinary investors lack corresponding investment experience and knowledge, so there may be the risk of information asymmetry when purchasing wealth management products sold by banks.

3. Investors buy wealth management products in banks, whether it is direct sales or consignment, the degree of risk mainly depends on the product description. Investors should focus on the investment direction and strategy of wealth management products and choose products suitable for their own risk preferences. The new regulations on asset management were issued, and the listing of guaranteed wealth management products was completely prohibited. Except for the savings deposits of banks, all other wealth management products are at risk of principal loss, as are the wealth management products sold by banks.

4. Investigate whether the issuer of the consignment products is trustworthy. The wealth management products sold by banks are usually issued by experienced fund companies or asset management companies. These companies usually have high investment level and management ability, but the level of various product institutions in the market is uneven. Investors should know the background and performance of the issuer before purchasing wealth management products.