Pan Wen faces many wealth management products in the market. How can enterprises choose the products that suit them efficiently? According to the characteristics of many corporate wealth management products at present, when purchasing wealth management products, the most important task for enterprises is to put risk first, because any wealth management product is risky, even the safest national debt is no exception. Paying attention to risks, first of all, is the issuer's credit risk, which is the most easily overlooked risk in corporate financing at present. Investment products are generally issued by financial institutions, and the credit level of this financial institution will play a decisive role in ensuring investors' income. The author suggests that enterprises must choose large commercial banks with good reputation and choose products that are more suitable for them when purchasing investment products. Corporate wealth management products with higher returns generally have higher risks. The second is to repay the risk. When managing money, enterprises must know whether they can repay the due principal after purchasing investment products, which is very crucial, because it determines the safety factor of investment; Whether the principal can be recovered is also the premise of investment. Then there is liquidity risk. When an enterprise invests in a product, it must know the basic issues related to its own vital interests, such as the duration of the product, whether it can be redeemed in advance, and whether it has automatic termination conditions. Finally, the rate of return risk. Enterprises must pay attention to whether the return rate of investment products is the annual return rate or the return rate of the whole investment period, and whether it is the guaranteed return rate or the conditional floating return rate, which is often ignored. When analyzing the investment income, enterprises should focus on the following points when investing in wealth management products: First, how likely it is to realize the income. On the surface, the yield of an investment product may be relatively high, but after careful analysis and comparison, its yield may not be high, or even in a relatively low state. Although there are more and more wealth management products on the market now, they are nothing more than treasury bonds, financial bonds, corporate bonds, RMB wealth management products, foreign exchange wealth management products, various funds, trust products, and securities firms' collective wealth management products. The yield is generally between 2.5% and 8%, and the yield of 10% can be said to be the limit. Secondly, analyze the hook object. The so-called linked object is the specific market or tool for investment, such as exchange rate, stock, index, etc. Earnings are adjusted according to their trends. For enterprises, when purchasing financial products linked to RMB in the future, they should have certain basic knowledge, otherwise they should not buy them easily. In addition, it is worth noting that the linked RMB wealth management products should not be redeemed in advance. Even if the bank allows it, there is no guarantee that the principal will be safe when it is redeemed in advance. Secondly, understand the situation of the investment object. Whether wealth management products are invested in stocks, treasury bonds, financial bonds, corporate bonds and central bank bills, or in real estate, trust products, foreign exchange products, funds, etc. Different investors will have different returns. Finally, analyze the investment period of the product and its own risk tolerance. The author thinks that when enterprises invest in wealth management products, it is best to choose the investment period between 1 and 2 years to prevent the risks brought by changes in interest rates, exchange rates, markets and other factors.