In recent years, in the face of the growing public demand for investment and financial management, China's commercial banks have provided a variety of banking financial products to meet customers' investment needs, improve residents' property income, provide flexible and convenient choices for customers to manage assets and optimize asset allocation, and become an important part of social investment and banking services. In recent years, the wealth management business of commercial banks has developed rapidly, and product design, marketing methods, marketing methods and investment management have been constantly innovated. At the same time, the problems and weak links in development have also been exposed, and even misleading and wrong sales have appeared, which has damaged the legitimate rights and interests of customers and the reputation of banks. In order to protect the legitimate rights and interests of consumers, the Measures clearly stipulate from three aspects: First, commercial banks are required to disclose risks on a special page in the sales documents of wealth management products, which should at least include risk warning statements, product types, product risk ratings and customer ratings suitable for purchase, examples of the most unfavorable investment situation and results, customer risk tolerance ratings, and copies of risk confirmation statements. Second, commercial banks are required to make a special page for customers' rights and interests in the sales documents of wealth management products, which should at least include the business process of handling wealth management products, the evaluation process of customers' risk tolerance, the way, channel and frequency of information disclosure of commercial banks, etc. Third, commercial banks are required to rate the risk of wealth management products in accordance with regulations, evaluate the risk tolerance of customers, and sell the appropriate products to the right customers according to the principle of risk matching. The relevant person in charge of the China Banking Regulatory Commission said that the emphasis on the "risk matching principle" in the sales of wealth management products is mainly based on two considerations: First, from the perspective of protecting the legitimate rights and interests of customers, commercial banks are required to prudently and seriously carry out the sales of wealth management products according to the risk matching principle, and customers can only buy wealth management products with a risk rating equal to or lower than their own risk tolerance rating; Second, in order to prevent misleading sales and wrong sales, commercial banks should rate wealth management products and the risk tolerance of customers. "Selling the right products to the right customers according to the principle of risk matching" is the basic guiding ideology for formulating the Measures. Accordingly, commercial banks should rate the risks of wealth management products and customers according to certain standards, and sell wealth management products with certain risk levels to customers with the same or higher risk tolerance level, so as to achieve real risk matching and avoid misleading sales. According to the Measures, when selling wealth management products, a continuous evaluation system for customers' risk tolerance should be established, and the risk tolerance should be evaluated according to customers' age, financial status and investment experience. When these factors change, banks should adjust the evaluation results. For commercial banks, the CBRC requires that the development and design of wealth management products should reflect the principles of controllable risks, calculable costs and full disclosure of information. Commercial banks must formulate targeted risk management measures and emergency plans ("controllable risks") in advance, clarify the risk-return characteristics of products ("computable costs"), fully disclose risks when products are sold, and fully disclose information during the product's existence and termination ("full information disclosure"). At the same time, commercial banks may not sell wealth management products without market analysis and forecast, risk control plan, risk rating and independent measurement. For more financial information, please pay attention to the public micro-signal: Caijing Road.