Xiaojinguan is a net worth wealth management product, which belongs to low-risk products. It can be seen from the study of its agreement. The investment scope includes entrusted loans, trust plans (including trust beneficiary rights), specific/special asset management plans issued by fund companies and subsidiaries, asset management plans issued by securities companies, wealth management products of commercial banks, monetary funds of fund companies, bill beneficiary rights, bank deposits, etc. , in which the investment proportion of bank deposits is at least 30%. However, the high annualized rate of return of 5% seems to be that the platform is trying to attract customers' profits.