The risk rating of this wealth management product is "III" (medium risk), and it is suitable for individual investors and institutional investors with stable, enterprising and radical risk tolerance with and without investment experience. If you are an individual investor, if the factors affecting your risk tolerance change, please complete the risk tolerance assessment in time, and please take the initiative to ask the Bank to re-evaluate your risk tolerance when you buy wealth management products again. Risk disclosure: Investors are requested to read the sales documents of wealth management products in detail, understand the specific situation of wealth management products, participate in the transaction independently through their own judgment on the basis of fully understanding and understanding the risks contained in this product, and voluntarily bear relevant risks.
The main risks include: (see the product manual for details) policy risk; Managing risk financial planning does not set risks; Risks of principal and wealth management income; Credit risk; Interest rate risk; Early termination of risks; Delay risk; Liquidity risk; Information transmission risk; Force majeure risk; Tax risk: the risk of a specific investment goal.
The past performance of wealth management products does not represent their future performance, nor does it equal the actual income of wealth management products, so investment should be cautious. This financial plan does not guarantee the principal and financial benefits. Investors' principal may suffer heavy losses due to market changes. Under the most unfavorable market conditions, investors may lose all their principal. Investors should fully understand the investment risks and invest cautiously.
The investment scope and proportion of this financial plan are as follows:
1, fixed income assets, not less than 80%.
(1) Standardized debt assets and deposits (including certificates of deposit) and bond repurchase, including but not limited to government bonds, local government bonds, central bank bills, government agency bonds, financial bonds, interbank deposit certificates, corporate credit bonds, asset-backed securities issued in the interbank market and exchange market, fixed-income public securities investment funds and other standardized debt assets and deposits (including certificates of deposit) and bond repurchase;
(2) Non-standardized debt assets, including but not limited to inter-bank loans, trust loans, accounts receivable, transfer of income rights, acceptance bills, letters of credit, income vouchers, transfer and assignment of equity income rights and other non-standardized debt assets.
2. Equity assets, the investment ratio is 0%-20%, including but not limited to equity assets such as stocks and equity securities investment funds.
3. Derivative financial instruments, the investment ratio (calculated by margin) is 0%-5%, including but not limited to treasury bonds futures, interest rate swaps, stock index futures and other derivative financial instruments.
Where relevant laws, regulations and regulatory authorities have other provisions on the above investment scope and allocation ratio, the latest regulatory provisions shall prevail.