Reliable. Bank financial products are relatively reliable. The financial products sold by formal commercial banks are all compliant products and can achieve rigid redemption. However, among the financial products sold by banks, there are also non-principal-guaranteed products with floating returns. These products are non-principal-guaranteed and carry relatively high risks. If you cannot accept this risk, you can avoid purchasing non-principal-guaranteed products. It is relatively safe to buy capital-guaranteed financial products sold by banks. You can get a certain amount of income without losing your principal. It is recommended for users with poor risk tolerance to buy this product.

As one of the three pillars of my country's finance, banks have large platforms and are relatively formal. Investors go to banks to buy financial products, which are relatively reliable. However, this does not mean that investors buy financial products in banks. Financial products will not cause losses.

According to regulations, banks can only issue financial products that have been registered in the financial management system and obtained a registration code. Investors can query product information on the China Financial Management Network based on the registration code to check whether the products purchased are from the bank. Regular financial products issued. If it cannot be found, there must be something wrong with the financial product, and you can report it to the regulatory authorities. Third, when signing a financial management contract, audio and video recordings should be recorded to avoid disputes.

What are the types of bank financial products?

One is the financial products launched by banks themselves. Bank financial products are mainly monetary funds. The other refers to bank staff taking advantage of their positions to recommend and sell financial products other than banks to investors. These financial products include insurance, funds, private equity, P2P products, and even "fake financial" products. In other words, investors actually purchase financial products managed by non-banks. In terms of safety, principal-guaranteed financial products among bank-operated products are safer and can guarantee 100% of the principal. However, regulatory authorities stipulate that financial products other than deposits cannot promise to guarantee principal and interest, because investment is risky, and banks have the responsibility to disclose the existence of any risks to investors.