Fund financing risk
(1) Market risk: The wealth management products purchased by investors also face great market risk.
(2) Credit risk: the investment in wealth management products is related to the credit of enterprises or institutions. If enterprises default or go bankrupt, the investment in wealth management products will suffer losses.
(3) Liquidity risk: During the existence of wealth management products, investors may face the risk of not being able to redeem wealth management funds in advance when they are in urgent need of funds, or face the risk of realizing losses at unfavorable market prices.
(4) Inflation risk: Because the expected annualized expected income of wealth management products is paid in the form of money, during the inflation period, the purchasing power of money declines, and the actual expected annualized expected income of wealth management products declines after the maturity, which will bring losses to investors of wealth management products, and the size of the loss is related to the degree of inflation during the investment period.
(V) Policy risk: Due to the influence of financial regulatory policies and laws and regulations related to wealth management market, the investment and repayment of wealth management products may not be carried out normally, resulting in a decrease in the expected annualized income of wealth management products and even a loss of the principal of wealth management products.
(VI) Operational management risk: The bank is the trustee of wealth management products, and the level of its management and disposal of wealth management products' funds, as well as whether it is diligent or not, directly affects the realization of the expected annualized expected return on wealth management investment of wealth management products.
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