1. Banks generally have their own self-operated wealth management products, such as certificates of deposit, structured deposits, guaranteed and non-guaranteed wealth management, but there are also some products, such as Public Offering of Fund, trust, insurance and gold. Issuers are not banks, but fund management companies or trust companies. Investors can buy these products in banks, and these products belong to the bank's consignment wealth management products. For the products on consignment, the bank is only a sales channel, and is not responsible for the design, management and guarantee of wealth management products, nor for product risks. But this does not mean that it is unsafe for banks to sell products on commission.

2. The products sold by banks are also regular products. For example, a bank sells a certain fund product on a commission basis, and investors buy it through a bank and through a fund company or a third-party financial platform. The product safety is the same, but the purchase process and rate may be different. Therefore, the safety of investors buying financial products entrusted by banks on a regular basis mainly depends on the risk level of the products themselves and investors' risk tolerance, and has no direct relationship with the product sales channels.

Reply time: September 2020-15. Please refer to the latest business changes announced by Ping An Bank in official website.

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