The bank's risk assessment of customers generally takes the form of an answer sheet. Give you a questionnaire, fill it out item by item, and then determine your risk tolerance, that is, your level, according to your risk tolerance level, determine which kind of financial management is suitable for you or not.

The financial risk assessment is divided into five grades: R 1, R2, R3, R4 and R5.

1.R 1 (cautious) low-risk category, with guaranteed capital and zero loss probability. The products include national debt, deposit products, guaranteed capital financing, etc.

2.R2-level (robust) low-risk category, non-principal-guaranteed, and the loss probability is close to zero, such as bank current wealth management, most bank wealth management and other wealth management products.

3.R3 (balanced) medium risk category, non-principal-guaranteed, fluctuating income and low loss probability. Products include bonds and hybrid funds.

4.R4 (aggressive) is a medium and high-risk category, which is non-principal-guaranteed, with high principal risk, large income fluctuation and high loss probability. There are equity funds, private equity funds, trust products and other wealth management products.

5.R5 (radical) high-risk category, non-principal-guaranteed, with high principal risk, high income, high risk and high loss probability, with leveraged products such as futures.

What are the misunderstandings in financial management?

1. Financial management means saving money, saving money.

As for financial management, many people have limitations. They either think that financial management means saving money or investing. However, in fact, these understandings are very one-sided.

Financial management refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of property. In the process of financial management, we should not only save money, but also make better use of investment income to manage money, so as to achieve the ultimate goal of financial management.

2. The investment risk is very high.

Because of their ignorance of investment, many people think that investment is risky and they dare not participate easily without certain wealth strength. However, this view is understood by more and more investment risks.

It is true that investment is risky, but not all investments are risky. In addition to high-risk investments such as stocks and spot, there are low-risk and stable investment options such as bank savings, bank wealth management products, national debt and stable funds.

3. Debt indicates that finance is not "healthy"

For debt, many people's views remain at the previous level of understanding. They think that debt is a sign of "poverty" and debt means financial unhealthy. Of course, this view is also very one-sided.

Appropriate debts within the family economy are beneficial. It can not only solve the temporary economic difficulties of individuals and families, but also increase the flexibility of individual or family funds, thus greatly improving the utilization rate of funds and the rate of return on investment.

Insurance is useless.

With the development of social economy, people's income has increased, their quality of life has also improved, and their concern for health has also increased. However, people's prejudice against insurance has not decreased. Most people think that insurance is useless. Is that really the case? Of course not.

However, we are not afraid of 10 thousand, but we are afraid of 1000. We can't take this possibility lightly, so it is necessary to buy insurance. In addition, insurance is also a way of investment, and you can get super-value returns at critical moments.