I. "Profit-making" wealth management products include trust asset wealth management products with good product returns, reasonable term and clear investment direction; Bond-type wealth management products with low risk, strong liquidity and expected income higher than deposits in the same period; IPO-type wealth management products with high expected return, standardized capital operation and moderate risk, and growth funds-type wealth management products with high expected return, professional operation, certain risks and sharing capital market. 2. Personal foreign exchange structured products (foreign exchange earnings) refer to personal foreign exchange investment and wealth management products with certain risk characteristics, which are composed of financial derivatives and traditional banking financial products, including structured products with one or more characteristics of forward, futures, swaps (swaps) and options. 3. RMB structured wealth management products (QUANTO) refer to personal wealth management products with RMB as the investment principal currency, and the product income is linked to the changes of relevant indicators in the international financial market. Relevant market indicators include interest rates, exchange rates, bonds, credit, stocks, precious metals (including gold), bulk commodities (including crude oil) and so on. , and the index of the above indicators. Customers can increase the return of RMB investment principal by taking certain risks (such as market risk and liquidity risk). 4.QDII refers to the business activities of commercial banks that have obtained the qualification of overseas wealth management business on behalf of customers, and are entrusted by domestic institutions and individual residents (except domestic non-residents, hereinafter referred to as "investors") to invest in specific financial products overseas with investors' funds.