Bank financing is mainly divided into five grades: R 1 (cautious), R2 (steady), R3 (balanced), R4 (radical) and R5 (radical).

R 1 is also a common low-risk financial investment product. The main investment channels are low-risk investments such as treasury bonds, insurance financing, large deposit certificates and bank financing. R2 is a common low-risk financial product, and it is also the mainstream financial product of market banks. It mainly invests in low-risk and low-risk products such as treasury bonds, reverse repurchase, insurance wealth management, large deposit certificates, bank wealth management, money funds and trusts. R3 rating, a common medium-risk wealth management product, increases the zj of enterprises, and can also invest in a certain proportion of stocks, commodities, foreign exchange, etc. And the proportion of funds invested in high-volatility investments should be less than 30%. Because there are highly volatile investment products, the principal may be damaged to a certain extent; R4 level, a common wealth management product with medium and high risk level. Except for the investable products with R3 rating, the proportion of funds invested in high-volatility products can exceed 30%. R5 is a high-risk wealth management product, without any investment restrictions, and can even use leverage, grading and derivatives for investment.

Therefore, the most important thing in investment and financial management is to choose products suitable for your income target, risk preference and liquidity requirements, and choose a "reliable" platform with credit endorsement. You can also pay attention to smart deposit products of small and medium-sized banks. The "interest rate" is around 4%-5.5%, which has the advantages of high liquidity (early withdrawal) and higher interest rate than ordinary time deposits.