According to the different risk levels of wealth management products, bank wealth management products can be divided into the following categories:

1. Risk-free financial products According to different risk levels, the safest bank financial products are risk-free financial products. Deposits and treasury bonds are guaranteed by banks. State-owned banks and commercial banks have absolute stability in China's financial industry, so this kind of wealth management products will not appear any risks, which can be said to be the safest, lowest risk and most stable income-guaranteed wealth management products among all wealth management products.

2. Low-risk wealth management products According to the different risk levels, the second type of bank wealth management products are low-risk wealth management products, mainly including various monetary funds. The money fund's wealth management products have the advantage of low risk, and with the guarantee of banks, the risk of wealth management is reduced again in the same type of money funds, which is a family wealth management product suitable for the middle class.

3. Medium-risk wealth management products are classified according to different risk levels. Although their risks are higher than those of the above two wealth management products, their income has obviously increased, such as trust wealth management products and foreign exchange wealth management products. Although it is greatly affected by unstable factors in the financial management stage, the income is ideal and suitable for financial products of high-income groups.

The Interim Measures for the Management of Personal Financial Services of Commercial Banks promulgated by CBRC defines personal financial services as "professional service activities such as financial analysis, financial planning, investment consultancy and asset management provided by commercial banks for individual customers". Personal financial services of commercial banks are divided into financial advisory services and comprehensive financial services according to different management and operation modes. What we generally call "bank wealth management products" actually refers to comprehensive wealth management services.

The main trend of expanding data

First, the gradual expansion of interbank financial products, mapping the original "silver-silver" cooperation model between foreign-funded institutions and Chinese commercial banks into the interbank financial management model between large domestic banks and small and medium-sized banks.

Secondly, the gradual attempt of portfolio insurance strategy, whether the product is stable or not, does not depend on whether to participate in the investment of high-risk assets, but on the rational allocation of investment portfolio.

Third, the number of dynamic management products is increasing gradually, and the flexible investment direction and portfolio and high liquidity are the main advantages of such products. However, the information transparency of such products is worthy of attention.

Fourthly, with the gradual prosperity of POP(Product of Product), different types of bank wealth management products can meet the investment needs of investors with different risk tolerance through combination construction.

Baidu encyclopedia-bank wealth management products