Non-guaranteed floating income has two meanings: without principal guarantee, income cannot be guaranteed.

1. The income types of bank wealth management products are divided into guaranteed floating income and non-guaranteed floating income. Among them, guaranteed floating income wealth management products can guarantee the principal and are favored by many investors who have just set foot in bank wealth management products. However, the wealth management products with non-capital-guaranteed floating income have relatively more considerable income, but the risk level is also higher.

2. Non-guaranteed floating income has two meanings. On the one hand, there is no principal guarantee for this type of wealth management products, that is, the principal may be lost; On the other hand, floating income is relative to fixed income. Simply put, the income cannot be guaranteed. The lowest can be , no income.

The risks of this wealth management product are entirely borne by investors, and the investment income is allocated between banks and investors according to the contract.

3. compared with financial products with guaranteed capital and interest, financial products with non-guaranteed capital and floating income are more risky. The risk is big, and the income may be big. The floating income of capital preservation can relatively guarantee the safety of the principal. The risk of this wealth management product is borne by the bank, and the investor's principal is safe.

Extended information:

Most of the non-guaranteed wealth management products of banks are low-risk products, and the principal and income are relatively safe.

1. The proportion of low-risk assets allocated by funds raised by wealth management products is high.

in p>217, standardized asset allocation accounted for 67.56% of the allocated assets raised by bank wealth management products. These assets mainly include standardized assets such as bonds, bank deposits, loan trade and buy-back sales, among which the bond allocation ratio is 42.19%. Theoretically speaking, a large proportion of low-risk assets will inevitably increase the probability of profitability of wealth management products.

2. The funds raised by low-risk wealth management products far exceed those raised by high-risk products.

according to the five-level classification of bank wealth management products, the first level is low risk, the second level is medium and low risk, the third level is medium risk, the fourth level is medium and high risk, and the fifth level is high risk. Among the raised funds, the first-level raised funds were 44.55 trillion, accounting for 25.67%; The second level raised 99.95 trillion yuan, accounting for 57.58%;

The third-level raised funds were 28.8 trillion yuan, accounting for 16.59%; The four-level raised funds were .21 trillion, accounting for .12%; The five-level raised funds were .7 trillion, accounting for .4%. In other words, the amount of funds for products with low and medium risks is as high as 144.5 trillion, accounting for 83.25%.

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