As a financial institution, banks are bound by strict supervision and management system, and their business activities need to comply with relevant laws and regulations, and accept the supervision and inspection of the central bank, China Banking Regulatory Commission and other departments, so bank financial insurance has high reliability.
The income of bank financial insurance products is closely related to the performance of investment assets, and the price fluctuation of various assets is uncertain, which brings investment losses, so there are certain risks in bank financial insurance.