According to the requirements of the Management Measures for the Sale of Wealth Management Products of Commercial Banks issued by China Banking Regulatory Commission on August 28th, 201,the wealth management system has been upgraded, and customers who conduct risk assessment for the first time need to go to the bank counter. I need to take my ID card and one-card to any branch of the bank.
What is bank risk assessment?
Bank risk assessment refers to the quantitative assessment of the impact and loss possibility caused by risk events in banks before or after the occurrence (but not yet over).
The problems in the bank risk assessment report include how many assets you have, how much money you have spent on investment and wealth management, whether you are willing to bear a certain loss of principal or income, whether you have purchased other wealth management products and so on. According to the results, investors are divided into five categories, one is cautious, the other is steady, the third is balanced, the fourth is enterprising and the fifth is radical. Among them, cautious investors can't bear any loss of principal, while radical investors can bear all risks. The risk assessment of banks plays an important role in prompting buyers of wealth management products. The corresponding risk levels of wealth management products are PR 1, PR2, PR3, PR4 and PR5, and the risks are increasing in turn. The risk assessment results of most investors are the first three or even the first two categories, and some conservative elderly people are the first category.
Longjiang Bank introduced:
Longjiang Bank Co., Ltd. (referred to as Longjiang Bank for short), headquartered at No.436 Youyi Road, Daoli District, Harbin City, Heilongjiang Province, is a joint-stock company limited by merger and reorganization of former Qiqihar City Commercial Bank, Mudanjiang City Commercial Bank, Daqing City Commercial Bank and qitaihe city City Credit Cooperative with the approval of China Banking Regulatory Commission on June 27, 2009. Longjiang Bank has a registered capital of 3.08 billion yuan and its head office is located in Harbin.