The bank's wealth management products belong to off-balance sheet assets. What are off-balance sheet assets? That is, it is not included in the balance sheet accounting, so even if the bank goes bankrupt, the liquidation object will not recover the wealth management products, so the bank bankruptcy has little impact on the safety of wealth management products. When the bank goes bankrupt, our wealth management funds are in the relevant assets, not in the bank account, and because they are off-balance-sheet assets, there is no problem of bank creditors' recourse, so the funds will automatically flow back after the investment products expire.

What is the risk level of wealth management products?

Now the regulatory authorities attach great importance to the asset management business carried out by financial institutions, and have also issued a series of compliance documents. Compliance is the first requirement for financial institutions to carry out business. When you go to a bank or other financial institution to buy wealth management products, when you buy them for the first time, you are often asked to make a risk assessment first, and then recommend suitable products to you according to the risk assessment.

According to the current situation in China, the current wealth management products can be divided into five categories according to the risk level, from R 1 to R5. The bigger the number, the higher the risk level and the greater the risk. Robust wealth management products belong to R2 and below risk levels.

R 1 grade products are usually called capital-guaranteed wealth management products, such as bank deposits and national debt. The risk is extremely low and the principal guarantee is strong. R2 products are robust products. At this level, the product is no longer guaranteed, but the risk will not be high. Representative products include bond funds and some bank wealth management.

Are pure debt wealth management products risky?

Pure debt funds also have risks, and the risk is non-zero or 1.

In fact, both bond funds and equity funds are important components of investors' asset allocation.

Understand all kinds of funds before allocation to avoid the risk of loss.

1. Interest rate risk. If the market interest rate rises and the bond price falls, the net value of the fund will fall. The market interest rate is determined by the change of supply and demand in the capital market, which investors can't control.

2. Default risk. If pure debt funds are mainly credit bonds, such as corporate bonds and corporate bonds. If you can't repay the principal and interest at maturity, you will directly explode the position. Therefore, it is very important to observe the bottom position of pure debt funds, that is, the investment direction. If you don't choose the right pure debt, you may face the risk of thunderstorm.

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