The risk depends on the choice of wealth management products, not banks. The investment object of each wealth management product is different, so the risks and benefits are different. Generally, the wealth management product contracts of banks all have floating non-guaranteed income or floating guaranteed income. Seeing these clearly is the key.

1. Are the bank's wealth management products safe?

1. Compared with various online financial products, financial management in banks is more reliable. However, due to the wide variety of wealth management products of banks, their risks and benefits are also different. I hope I can understand this correctly when buying bank wealth management products, so as to avoid the loss of account funds.

2. The wealth management products in banks are mainly divided into two categories, one is the self-operated products of banks, and the other is the products sold by banks on a commission basis. It mainly includes term products, trust products and funds. Some of them are invested in the real economy, and the other part is invested in the money market or stock market. Due to the huge uncertainty in major markets. Therefore, the benefits and risks of these wealth management products are also different. Many investors pay more attention to the platform when evaluating whether a wealth management product is risky.

3. Because the wealth management products of these banks rely on banks, there is no problem with their credibility. Judging from the products sold by banks, these wealth management products mainly come from fund companies and trust companies. Before cooperating with these financial institutions, banks fully evaluate the companies and screen them at different levels before allowing their products to enter the banking system. Therefore, whether it is a bank's own product or a bank's consignment product. The platform itself is not risky. Matters needing attention in purchasing bank wealth management products:

1. Fully understand the risks of products. Many customers often just listen to the introduction of bank staff when buying bank wealth management products. In fact, they don't understand the risks of wealth management products themselves, and even their own risk positioning is not clear. Therefore, when purchasing wealth management products, customers should personally understand the risks of the products.

2. Avoid sales risks. When introducing wealth management products, many bank staff often ignore the risks and fail to explain the risks to customers in detail. So, on the one hand, you need your own insight into gold.