No.

So far, all financial products with a risk rating of R2 from domestic banks have never experienced principal losses or earnings that did not meet expectations, and they have all been able to obtain expected returns.

PR2 grade financial products have very low risk.

Financial products are divided into five levels "PR1-PR5" according to the level of risk. Among them, the risk level of PR1 level is "very low"; the risk level of PR2 level is "lower"; the risk level of PR3 level is "moderate"; the risk level of PR4 level is "moderate".

The risk level is "high"; the risk level of PR5 is "high".

In bank financial management, I saw that the product risk is PR2, which means that the product does not protect the principal, but the principal and expected returns are less affected by the risk, or the principal is guaranteed, but the product returns have relatively large risks.

Certainty is generally some structured deposit financial products.

PR2 refers to structured deposit financial products that do not protect the principal but the principal and expected returns are less affected by risk factors; or that promise principal protection but have greater uncertainty in product returns.

Bank financial management risk assessment practices: When conducting risk assessment for the first time, investors generally need to go to the bank counter in person to conduct the operation. The second assessment can be conducted online through mobile banking or online banking.

Although there are slight differences in the test content of each bank's risk assessment, they are all similar.

The information required for risk assessment generally includes the investor’s age, monthly salary and investment experience.

According to different assessment scores, investors' risk tolerance will be divided into five categories from low to high: conservative, stable, balanced, growth and aggressive.

Investors are only allowed to purchase products with a risk rating equal to or lower than their risk tolerance.

For example, if an investor's evaluation result is prudent, then when purchasing bank financial products, he is only allowed to purchase prudent or conservative financial products.

Notes on bank financial management risk assessment 1. The results of risk assessment are not binding on fund products.

The assessment of bank financial management risks has a mandatory effect on bank financial management products. If bank financial management managers operate in a standardized manner, investors will not be able to purchase products with offside risks.

But funds are different. Even if the risk assessment result is conservative, you can still buy high-risk products such as stock funds.

Although the system may prompt that the purchased product does not match the risk assessment results when purchasing, many investors completely ignore this.

2. Risk assessment is a mere formality.

Investors who do not have strong risk awareness and do not pay attention to risk assessment may fill in the assessment answers at will, or allow the bank financial manager to mislead and change the assessment information at will, resulting in errors in the assessment results, and the purchase may not be suitable for them.

financial products.