Simple classification of bank wealth management products: \x0d\ 1) Differentiated by income: \ x0d \ 1- Fixed income (capital preservation)-that is, guaranteed absolute safety of principal and agreed income within a complete cycle. \ x0d \ 2- Guaranteed floating income-First, the principal is guaranteed to be safe, and then the income is uncertain, so it can be more or less, that is, it remains unchanged, depending on the operation. \ x0d \ 3- floating income without capital preservation-that is, it may be a loss or a higher income, that is, the income is not fixed and floating. \x0d\ 2) Differentiated by currency: \ x0d \ 1- RMB wealth management products-x0d \ 2-foreign currency wealth management products, which need to be exchanged back and forth at different exchange rates, and there is exchange rate risk \ x0d \ 3- dual currency wealth management products-that is, RMB and foreign currency are mutual. 1- new shares-mainly new shares \ x0d \ 2- bond market-mainly fixed income such as bonds, currencies and bills \ x0d \ 3- structural-mainly linked to various financial derivatives or foreign exchange. , which risk is greater \ x0d \ 4-QDII.