PR represents the level of financial risk control.

Bank financial products can be divided into five levels according to risk assessment: R1 (cautious), R2 (sound), R3 (balanced), R4 (aggressive), and R5 (aggressive).

PR1 risk level is very low, the product protects the principal, and the expected return is very little affected by risk factors; or the product does not protect the principal, but the principal and expected return are very little affected by risk factors, and has high liquidity.

Customers with investment experience and those without investment experience who have been assessed as conservative, prudent, balanced, growth and aggressive by ICBC's customer risk tolerance.

PR2 has a lower risk level. The product does not protect the principal but the principal and expected returns are less affected by risk factors; or it is a structured deposit financial product that promises principal protection but the product returns are highly uncertain.

Customers with investment experience and those without investment experience who have been assessed as stable, balanced, growing and aggressive by ICBC's customer risk tolerance.

PR3 has a moderate risk level, the product does not protect the principal, and risk factors may have a certain impact on the principal and expected returns.

Customers with investment experience who have been assessed as balanced, growth-oriented and enterprising by ICBC's customer risk tolerance.

PR4 has a higher risk level, the product does not protect the principal, risk factors may have a greater impact on the principal, and the product structure is somewhat complex.

Customers with investment experience who have been assessed as growth-oriented and aggressive by ICBC's customer risk tolerance.

PR5 has a high risk level. The product does not protect the principal. Risk factors may cause heavy losses to the principal. The product structure is relatively complex and leverage can be used.

Customers with investment experience who are aggressive in their risk tolerance assessment by ICBC.

Treasury bonds and bank financial management are relatively safe financial management methods, followed by funds and finally stocks.

These conclusions still apply.

Bank financial management is mainly divided into three categories: principal guaranteed fixed interest, principal guaranteed floating income and non-principal guaranteed floating income.

Bank guarantees, the first two are principal-guaranteed, so friends can rest assured; the riskiest is the non-principal-guaranteed floating income type. In the worst case, all principal and interest will be lost, but in fact there is no precedent.

The risk that bank financial management has to bear is that the return is lower than expected.

Now the bank is still rigidly paying, which means that even if it loses money, it will advance money to us, so everyone can rest assured.

From the perspective of the types of bank financial management, structured financial management has greater risks than non-structured financial management.

However, even institutional financial management will guarantee the principal, and the risk mainly lies in the income.

Other funds, stocks and other financial products have much greater risks than banks.

Bank financial management is a stable financial product with a high safety factor.