If the wealth management issued by the bank may lose all the principal, because the wealth management products are not bonds, the wealth management products do not promise to protect the principal and the income. If the agency financing will operate normally, it can directly connect with the issuer and return the principal and income after the financing expires.
Funds are issued by fund companies, and banks are consignment agencies. Bankruptcy will not affect the normal operation of the fund, and investors can redeem it in the fund company.