"Taiping Yingfeng Old-age Security C (Dividend Type)" is a dividend insurance sold by China Bank on behalf of Taiping Insurance Company. It's an insurance company product, not a bank product. The bank sells it on a commission basis. The service personnel are obliged to tell you the details. You can look at the insurance contract terms of this product.
Most dividend insurance income has these parts: guaranteed income+dividend (the amount of dividend is uncertain, depending on the company's operation, but there will be no negative income)
There is also protection. Mainly compensation for accidental death and disease death.
The time limit is 5- 10 years. You have to know before you decide.