1. Different issuers: self-operated wealth management products are commodities issued by banks, while consignment wealth management products are commodities issued by consignment agencies.

2. Different security risks: self-financing products are generally products with fixed expected rate of return, with relatively low risks;

3. Different thresholds: the participation threshold of self-operated wealth management products is low, generally 50,000, and the threshold for distributing wealth management products is uncertain;

4. Different risk tolerance: Self-operated wealth management products are low in risk, and the general cost rarely causes losses, but distributed wealth management products are securities funds, which are easy to cause financial losses.

What is a financial product?

Wealth management products are commodities issued by commercial banks and reliable financial institutions. Invest the raised assets in relevant financial markets according to the commodity contract, purchase relevant wealth management products to obtain investment income, and distribute it to investors according to the contract.