The customer risk tolerance corresponding to the risk level R3 (balanced type) of wealth management products is A3. This level of wealth management products does not guarantee the repayment of the principal, and there is a certain principal risk, and the income fluctuates. In the dimension of credit risk, it mainly bears the risk of credit subjects above the medium level, such as the risk of bonds rated above A level (inclusive); In the dimension of market risk, products can be invested in low-volatility financial products such as bonds and interbank deposits, and the proportion of investment in high-volatility financial products such as stocks, commodities and foreign exchange should not exceed 30% in principle, and the capital preservation ratio of structured products should be above 90%.