Bank of Zhengzhou Zheng is not a fund, but a wealth management product. Specifically, "Zheng" is a composite wealth management product based on bank deposits, combined with money funds or other highly liquid investment products, similar to hybrid funds. Investors need to deposit a certain amount of money into the product before buying Zheng, and then the bank will manage and invest. Banks will use some funds to buy low-risk and high-liquidity investment products such as money funds, and make appropriate adjustments according to market conditions to obtain more stable returns.