The bank's wealth management products can be bought, which is risky. Financial management is a process of "taking risks". Bank wealth management does not promise to protect capital, and the risks of different types of wealth management products vary greatly. In bank financing, in addition to ordinary bank deposits, that is, demand deposits, time deposits and so on. In addition, there are various wealth management products, including bank consignment wealth management products with various risk levels. Investment is bound to have risks, but the risks are different. No matter what type of wealth management products are issued, banks will give them a risk grade, which is divided into R 1, R2, R3, R4 and R5 according to the risk from low to high, corresponding to conservative, stable, balanced, enterprising and radical investors respectively.

Although there may be principal loss in non-guaranteed financial management, in the end, you can get appropriate income and principal protection. The degree of risk (from high to low) can be divided into: non-guaranteed floating income type >; Capital preservation floating income type > capital preservation guaranteed income type. If you want to buy guaranteed income, only fixed-term bonds and government bonds, others are risky and vary in size, so we mainly look at the risk disclosure book and product manual of the corresponding wealth management products, which have the corresponding wealth management investment direction, mainly depending on the investment direction.

1. Bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customer groups based on the analysis and research of potential target customer groups. In the investment mode of wealth management products, banks only accept the funds entrusted by customers, and the investment income and risks are borne by customers or both customers and banks in an agreed way.

2. The China Banker Survey Report 20 12 jointly issued by China Banking Association and PricewaterhouseCoopers shows that nearly 80% of bankers support the development of wealth management products. At the same time, the risks behind the rapid development of wealth management products market have also attracted attention. 50.9% of bankers believe that a large number of off-balance sheet assets formed by wealth management products may have an impact on the asset quality and operational stability of banks. Generally speaking, according to the type of expected income, bank wealth management products are divided into two categories: fixed income products and floating income products. In addition, according to the different investment methods and directions, there are new share subscription products, bank credit cooperative works, QDII products, structured products and so on.