Of course, financial management is protected by law, and now many fund companies in banks are doing it. Similarly, the signing of capital preservation financial management agreements between citizens is also protected by law, as long as the agreements do not violate the prohibitive provisions of the law, they are also protected by law.

Extended data:

Category of bank wealth management risk share:

Bank wealth management products can be divided into five risk levels: R 1, R2, R3, R4 and R5, in which R 1 has the lowest risk level and R5 has the highest risk level.

R 1 grade belongs to cautious products, R2 grade belongs to stable products, R3 grade belongs to balanced products, R4 grade belongs to radical products, and R5 grade belongs to radical products. The higher the risk level, the greater the possibility of loss. Of course, the higher the risk, the higher the income.

When people buy bank wealth management products, they should choose products according to their risk tolerance. For example, if you are pursuing stability, you can choose R 1 and R2-rated wealth management products, such as government bonds, money funds, bond funds, etc. If you pursue high returns, you can invest in R3, R4 and even R5 wealth management products, such as index funds, hybrid funds, trusts, gold and so on.

Short-term financial risks of banks;

Any financial product has risks, and short-term financial management of banks is no exception, but the degree of risk is different. However, the bank's wealth management products are generally not too risky. Moreover, short-term wealth management products have good liquidity and can also stop losses in time.

Financial products like banks can be divided into guaranteed income, guaranteed floating income and non-guaranteed floating income according to the types of income. The first two categories are capital preservation, and there is basically no possibility of principal loss. The third category may lose the principal, but the probability is not great. Unless there is a big turmoil in the financial market, it will not lose much.

However, some wealth management products of banks will also cooperate with some enterprises and institutions. For example, buying bonds issued by enterprises needs to bear the corresponding credit risks of enterprises. If the enterprise defaults or goes bankrupt, the products you buy are at risk of losing money.

The fluctuation of financial market will definitely affect the principal and income of wealth management products. Therefore, if the fluctuation is large, the purchased wealth management products will also face greater market risks.

Therefore, everyone's investment and financial management must be within the level of risk that they can bear. Usually, the higher the income, the greater the risk. Moreover, it should be noted that the wealth management products bought in banks are not necessarily owned by banks, because banks will also sell some products on a commission basis.