Guangfa Bank changed the wealth management of customers from 6,543.8+0.3 million to 6,543.8+0.3 million, so this is different and the risk has increased a lot. If it is financial management, it may be said that the highest income is 10% 20%, but the risk is moderate at best. Generally speaking, there will be no particularly high-risk private equity funds in bank financing, which is high risk. Although he may get higher returns, he changed the investment type of others without the permission of investors. This is a bank. He is irresponsible, abuses his power, does whatever he wants, and infringes on the rights and interests of customers.
After these cases were brought to court, Guangfa Bank was found to be at fault and should bear the losses caused by it, and similar things will happen to other banks. Because we don't know where the bank put the money, we just found it, and there may be a lot that we haven't found. If it is just an ordinary wealth management bank, the income is limited, but if the money is invested in private placement, the return may be higher. It is not that customers will get higher income, but that banks will get higher management fees when they reinvest their money, and their own income will be more, and the risks will of course be borne by investors themselves.
If there is any investment demand, the two channels are relatively reliable. One is to invest by yourself, knowing exactly what to invest, at your own risk, and the income is entirely yours. There is no management fee or anything. The other is that these banks at the level of the four major banks are relatively safer and more reliable, and they are more likely to get people's attention when problems arise. Some local banks, as well as banks other than the four major banks, may not be able to guarantee the absolute safety of everyone's money even if their business scope is nationwide. If something goes wrong, they will go to court, which is very delaying.