Are the wealth management products of Industrial Bank safe?

Any bank wealth management product is risky. Industrial Bank also faces the following problems: 1, risk of principal and wealth management income: Industrial Bank's wealth management plan does not guarantee principal and wealth management income. Your principal may suffer heavy losses due to market changes, so you should fully understand the investment risks and invest carefully. The income of this financial plan of Industrial Bank comes from the income generated from the transfer, disposal or holding of asset portfolio. If the asset portfolio cannot be disposed of normally, the risk of loss of principal and wealth management income (if any, the same below) arising therefrom shall be borne by the investors themselves; If there are default risk, market risk and liquidity risk in the bond assets in the portfolio, the investors will bear the risk of financial principal and the resulting loss of income. In the most unfavorable case of default of bond assets, investors may lose all the principal. 2. Manager's risk: The wealth management funds under this plan may suffer losses due to the limited experience and skills of the manager, or the manager's violation of the agreement and improper handling of affairs. (That is to say, no matter whether the manager is an inexperienced fool or morally violates the agreement, your capital loss will be borne by your subscriber. ) 3. Policy risk 4. Delay risk: In short, any problems of Industrial Bank will be borne by your subscribers.