Any investment has market risk and credit risk, including ICBC Tiantianying. Market risk refers to the risk of investment loss caused by market price fluctuation, and credit risk refers to the loss caused by the borrower or debtor's default. The risk of loss of principal of ICBC Tiantianying's products is relatively low, but the income is not guaranteed and there is the possibility of loss. In addition, the product has high liquidity, and the deposited funds can be accessed at any time, but this also increases the risk of investment.