Bank financial productsOf the income and risk are positively correlated, there is no absolute sense of the risk of the bankFinancial productThe So buy the bankFinancial managementWhat are the risks to the product? Presumably this is the investor in the purchase of bank financial products, especially want to know the problem.
The related risks of bank financial products mainly include:
: Bank financial products to raise funds from commercial banks into the relevant financial markets, financial market volatility will affect the financial products, the principal and income. Resulting in the financial market price fluctuations in the complex factors, the price fluctuations, investors buy financial products are also facing large market risk.
: If the investment in financial products is related to the credit of a certain enterprise or institution, such as the purchase of bonds issued by enterprises, investment enterprises trust loans, financial products need to bear the corresponding credit risk, if the enterprise default, bankruptcy, Financial products investment will suffer losses.
: Some financial products for a long period of time, in the financial products during the survival of investors in the emergency funds may face the risk of early redemption of financial funds. It should be noted that the cash management products have a huge redemption of the terms of the restrictions, once the customer focused on a certain percentage of redemption, the bank has the right to refuse or postponed.
: Since the proceeds of financial products are paid in the form of money, during the period of inflation, the purchasing power of money is declining and the actual gains after the expiration of financial products will be reduced, which will bring losses to financial investors, And the extent of inflation during the investment period.
: Financial regulatory policies and financial markets related laws and regulations, financial products, investment, repayment, etc. may not be normal, which will lead to lower financial products or even financial products, the loss of principal.
No.6Operational management risk
: The bank is the trustee of financial products, its management, disposal of financial products, the level of funds, and whether it is diligent due diligence, a direct impact on financial products investment in the realization of financial income.
No.7Force majeure risk
: The emergence of natural disasters, war and other force majeure factors will seriously affect the normal operation of financial markets, financial products may affect the acceptance, investment, repayment and other normal, and even lead to lower financial products or even the principal loss.