The 2R wealth management product of Bank of Communications is a wealth management product of Bank of Communications, and it is indeed a type of wealth management product with guaranteed floating income. The full name is "Delibao steadily increases profits". The wealth management product is of guaranteed income type, and Bank of Communications provides a guarantee commitment for the principal of the wealth management product, and calculates and pays the wealth management income to investors according to the investment return rate (annual interest rate) agreed in the product specification. The target customers of this wealth management product are all investors with and without investment experience who have been assessed as conservative, steady, balanced, growth-oriented, enterprising and radical by the evaluation system of individual customers' investment risk tolerance of Bank of Communications.

The risk rating of Bank of Communications' financial management risk rating is 1R-6R. After buying a wealth management product, there are detailed instructions in the manual. 1R is the lowest and 2R is the highest. Generally, Delibao's new green series is 1R, with fixed interest rate and fixed term, and the minimum deposit amount is 50,000 RMB.

The risks of 1R include liquidity, that is, you can't withdraw money in advance before maturity, interest rate risk, national interest rate-raising wealth management products will not raise interest rates after purchase, and credit risk. In fact, it can be understood as risk-free, and so on.

2R is generally blue ocean series, trust products, general investment bonds or engineering loans, which means that the products may be paid in advance before the specified date, but the agreed interest rate remains unchanged.

3R stands for stable principal and floating interest rate, but it will not be zero.

4R represents the maximum loss of principal of 5%, which is generally invested in futures or currencies, a basket of currencies, etc.

5R means that neither the principal nor the income can be guaranteed, but the principal will not be completely lost, such as a fund.

6R In general margin trading such as investment options and foreign exchange, the principal may be completely lost, and the corresponding income is also proportional to the risk.

In addition, the risk rating of bank wealth management products is indeed assessed by banks themselves, and each bank has its own assessment criteria. However, there is no uniform risk level standard in the industry. Different standards also lead to different ratings of the same type of wealth management products in different banks. However, there are relevant restrictions on both guaranteed and non-guaranteed wealth management products. The scale of wealth management products of each bank is limited. When the scale of capital preservation products reaches the upper limit, other products that are essentially capital preservation products can only be marked as' non-capital preservation'.