There are many kinds of wealth management products sold by banks, including their own wealth management products and those sold by insurance companies, securities companies and fund companies. In the process of sales, bank salespeople often confuse concepts, so in the process of sales, they are often described as the bank's own wealth management products, which can increase credibility, so be sure to keep your eyes open.

I can't give you clear guidance because you didn't explain your specific confidence. Summarize a few points for your reference:

1. Wealth management products all have product descriptions or wealth management contracts. Please check whether it is Ping An Bank's own wealth management product when you get it. Ping An Bank and Ping An Insurance are the same company, and care is an insurance product.

2. If it is a bank's wealth management product, be clear about its term. Some products can be taken for three years and five years, but the three-year return is very low, so be sure to know its term.

3. Most of the term of the bank's own wealth management products will not exceed 1 year. Due to the term, the corresponding income is about 3.5%-6.5%. If the promised rate of return is above 8%, you should be careful, because this may be a floating income wealth management product (probably a collective wealth management product or fund of a securities company that sells as an agent), which may cause the risk of your capital loss.

This is all I can think of at present. I hope I can help you, and I wish you a profitable financial management.