Everbright Bank's Sunshine Wealth Management Package products are invested in credit-linked wealth management products and trust plan wealth management products, and the investment ratio is determined according to market conditions. The trust funds in the trust plan are used to provide trust loans or financing for domestic infrastructure projects, which are guaranteed by the China Development Bank or the four major state-owned banks. The linked debt of credit-linked wealth management products is a loan issued by China Development Bank (National Credit Bank), which is guaranteed by joint liability, with high project rating and low debt risk. The trust funds in the trust plan are used to provide trust loans or financing for domestic infrastructure projects. RMB structured wealth management products are RMB wealth management products embedded with financial derivatives. Through financial derivatives, the inherent characteristics of traditional deposits are changed, and products with different maturities, returns and investment risks are constructed to meet different investment needs.