At present, the function of commercial banks has changed from single service to diversification, and wealth management products, as an intermediate business, account for an increasing proportion of bank benefits. Therefore, banks are actively acting as agents to launch their own wealth management products. At present, they are only in the fields of insurance and securities, that is, income-guaranteed insurance wealth management products (low risk or even no risk, excluding negative inflation growth), and funds (low, medium and high risk) will definitely involve more fields in the future. At present, the wealth management products launched by myself are mainly credit products. For example, in the city where I currently live, CCB has launched a credit product. The bank will lend the raised funds to the expressway project planned and constructed by the city. The annual income is 5%, which is higher than the current fixed interest rate 1.75%. The local issue amount is 300 million. Banks have absorbed funds and increased their income from intermediary business. It is for this purpose that banks attach great importance to wealth management products, which is also a means to compete for the market. The wealth management products launched by banks are all guaranteed by the bank's reputation. Therefore, banks are also very cautious when issuing wealth management products. There are specialized teams of wealth management experts and risk assessment teams to escort wealth management products, which also involve large-scale national construction projects of state-owned enterprises (Three Gorges Project). Unless there is national turmoil or major natural disasters, they will basically act according to the highest expectations. To sum up, bank wealth management products will surely become the key development business of banks in the future or in a longer period. In this respect, we have lagged behind foreign big banks for many years.