If financial products are classified according to listed currencies, they can be divided into RMB financial management and foreign currency financial management. Foreign currency wealth management products refer to wealth management products that can only be purchased in currencies other than RMB. Different wealth management products will target different foreign currencies. According to the different subscription currencies, foreign currency financing can be divided into euro financing products, Australian dollar financing products and US dollar financing products. From this understanding, RMB financial management refers to financial products that can only be purchased in RMB.

According to the statistics of related websites, RMB wealth management products were issued 1734 in the first half of this year, accounting for 92.58% of the total. The overseas wealth management products issued are mainly USD, EUR, HKD and AUD, of which USD products account for 50%.

Financial analysts said that structured financial products adopt the structure of "option capital preservation+zero coupon bond". Long product life, such as 6 years. There are two common ratios of capital preservation: 90% and 100%. The expected annualized rate of return of such products is usually high; If it is 90% capital preservation, the expected rate of return will be higher. Foreign currency wealth management products are linked to overseas commodity indexes, foreign exchange, interest rates, stocks and other targets. Investors may not be familiar with these overseas targets, and the potential risks are always proportional to the income.