Grade 1 and PR 1: conservative, with low risk grade. The product is guaranteed, and the expected income is less affected by risk factors; Or the product is not guaranteed, but the principal and expected income are less affected by risk factors and have high liquidity.
2.PR2 level: low robustness and risk level. The product does not guarantee the principal, but the principal and expected income are less affected by risk factors; Or a structured deposit wealth management product that promises to protect the capital but has great uncertainty about the product income.
3.PR3 level: moderate balance and risk level. The product does not guarantee the principal, and risk factors may have a certain impact on the principal and expected income.
4.PR4 level: growth and high risk level. The product does not guarantee the principal, and the risk factors may have a great influence on the principal, so the product structure has certain complexity.
5.PR5 level: growth and high risk level. The product does not guarantee the principal, and risk factors may cause great losses to the principal, so the product structure is more complicated.
Extended data:
Take China Industrial and Commercial Bank as an example:
Before purchasing wealth management products, customers should carefully read the sales documents of wealth management products to ensure that they fully understand the nature of investment and the risks involved, carefully understand and carefully evaluate the basic information such as capital investment, risk types and expected returns of wealth management products, and decide to purchase wealth management products that match their own risk tolerance and asset management needs after careful consideration;
After purchasing wealth management products, customers should always pay attention to the information disclosure of wealth management products and obtain relevant information in time.
investee
This product mainly invests in the following assets that meet regulatory requirements:
1, bonds, deposits and other highly liquid assets, including but not limited to all kinds of bonds, deposits, money market funds, bond funds, pledged repo and other money market trading tools;
2. Creditor's rights assets, including but not limited to creditor's rights entrusted by the Creditor's Rights Trust Plan and Beijing Financial Assets Exchange;
3. Other assets or asset combinations, including but not limited to collective asset management plans or directional asset management plans of securities companies, asset management plans for specific customers of fund management companies, investment plans of insurance asset management companies, etc. This product can be used for bond repurchase, deposit certificate pledge financing, etc. Integrate or finance funds to meet liquidity needs and improve the efficiency of capital use.
At the same time, in the use of funds, the product can use foreign exchange market forwards, swaps and other tools to obtain arbitrage income and lock in the exchange rate risk of investment principal and income.
Official website, Industrial and Commercial Bank of China-"Enjoy Return" arbitrage 189-day euro wealth management products.