How can Minsheng Bank s risk assessment be handled?

The risk assessment procedures are as follows:

1.If an individual customer is purchasing wealth management products for the first time (including the sale of bank wealth management products and the distribution of wealth management products by our bank), he/she must go to the business outlets of our bank with valid identity documents to conduct a risk assessment through the "Customer Risk Assessment Questionnaire" by the bank's wealth management professionals, understand the assessment results, and sign for confirmation by both parties. The risk assessment at the counter will take effect immediately.

The risk assessment results are valid for one year and can be re-evaluated over the counter, online banking or mobile banking after expiration. When purchasing and redeeming wealth management, the customer's risk assessment level will be checked. For example, if the customer's risk assessment has expired, or the current risk assessment level is less than the product level, etc., it will not work properly.

2.The CBRC does not have mandatory risk tolerance assessment requirements for institutional customers to purchase wealth management products, so institutional customers of our bank do not need to conduct risk assessment. If the institutional customer has already gone through the relevant procedures for opening an account and the account has been used normally, then the first purchase can be operated by all channels permitted by the business rules.

Tips: In accordance with the requirements of the new financial regulations, the "Qualified Investor Assessment" item will be added to the risk assessment to identify the type of products purchased by customers, since private placement products must be sold to "qualified investors", if customers are not qualified investors, they will not be able to purchase our private placement products.

Minsheng BankMobile bankingRisk assessment is virtually eliminatedIn My-Settings-Account Confidence-Risk Assessment, you need to enter the risk assessment of Minsheng Bank's mobile banking from the following three steps.

And then there'sGo to My Page, then open the Settings screen, and then select Account Information Danzhi to enter the Account Information page.

AgainIt's a click on the risk assessment, so that you can evaluate your own security issues.

Precautions for risk assessment of the use of mobile banking of Minsheng Bank:

1. You need to log in to the correct CMBC client.

2. Do not operate in violation of regulations during the risk assessment.

3. The weight that needs to be rationally analyzed after the risk assessment.

Bank risk assessment refers to the quantitative assessment of the impact and the possibility of loss caused by the event on people's lives, property, livelihood and other aspects before or after the occurrence of a bank risk event (which has occurred but has not ended), and then summarizes the risk assessment report.

The content of bank risk assessment is generally carried out from several aspects, such as the investor's investment experience, asset situation, and how much loss he can bear. Among them, investment experience includes the variety of investment and the investment period, if the investment equity assets and investment period are longer, it reflects that the investor's investment experience is relatively rich, and the corresponding risk tolerance will be higher.

The assessment of assets is mainly carried out from the aspects of household assets, household income, and the proportion of equity assets that can be used for investment.

The expiration of the risk assessment of China Merchants Bank refers to the situation where the time limit for the risk assessment conducted by the customer since the last purchase of the wealth management product has expired, and the customer needs to re-conduct the risk assessment before purchasing the wealth management product. Under normal circumstances, whether it is China Merchants Bank or other banks, the validity period of financial product risk assessment is one year, after which the customer needs to make another assessment before making a new round of purchase.

After the risk assessment of China Merchants Bank expires, customers can bring their ID cards and bank cards to the business outlets of China Merchants Bank to conduct a new risk assessment with the assistance of the financial manager. Risk assessment is an assessment of a customer's risk tolerance to help them understand their risk tolerance, financial management methods and investment objectives, so as to choose more suitable financial products.

The risk classification of banks includes the following classifications:

1. According to the scope of the risk, it is divided into systemic risk and non-systematic risk;

2. According to the business structure of the bank, it is divided into asset risk, liability risk and intermediate business risk;

3. According to the division of risk subjects, it is divided into corporate risk, personal risk, national risk, etc.

Combined with the characteristics of bank operations and the reasons for inducing risks, the Basel Committee divides the risks faced by commercial banks into eight main types: credit risk, market risk, operational risk, liquidity risk, country risk, reputation risk, legal risk and strategic risk, which is also a common risk classification method in the industry.

Summary. Before the bank buys wealth management products, we will do a risk assessment, in order to help us understand our own risk appetite, so as to select more suitable wealth management products for us. Most bank risk assessment tests are conducted from several aspects such as the investor's investment experience, asset situation, and how much loss he can bear.

Minsheng Bank filled in, is it okay not to buy it after the risk assessment?

Hello! The question you asked was not comprehensive enough, can you describe it in detail? You are the bank's risk assessment and you don't want to buy wealth management anymore, right?

Yes. Hello! The bank's risk assessment is only to evaluate the investment habits of depositors, which is aggressive, stable, conservative and other types of assessments, and it has little to do with whether it is enough to buy the bank's financial management.

Minsheng Bank has filled in the risk assessment, will it be affected if I don't buy wealth management?

It won't have an impact.

Before the bank buys wealth management products, we will do a risk assessment, in order to help us understand our own risk appetite, so as to select more suitable wealth management products for us. The content of most bank risk assessment tests is carried out from several aspects such as investors' investment experience, asset situation, and how much loss they can bear.

The purpose of the bank's risk assessment is to help you choose the most suitable financial products for you, as for whether you buy or not, the decision is in your hands.

I was unknowingly filled in the risk assessment.

Rest assured, it will not affect you if you do not buy wealth management products after the risk assessment is completed. <>

Okay, thank you, teacher.

Dear, here is the analyst who is good at the long bancassurance ** and the international situation, if you have any problems in the future, you can come to me in celebration, here I am very happy to provide you with quality service. The original manuscript <>

Wealth management products are different, you have to go to the bank to do risk assessment, and you can also directly evaluate online. Personally, I think that when choosing financial products and financial management platforms, there should be several judgment criteria:

First, there is a very complete financial management system. Open** and look beautiful and complete. After registering an account, a series of investments, income viewing, cash withdrawals, etc., are completely systematic;

Second, do a good job in financial risk control to avoid the loss of principal and income;

Third, the annualized income of wealth management is within a reasonable range, and the annualized return of 17% of Xinguang Licheng Loan is preferred;

Fourth, word-of-mouth effect. For a good financial management platform, it not only has a good reputation in the industry, but also has a high communication rate among users, and has always attracted the attention of the industry and users, with a high rate;

Fifth, the wealth management products are reasonable. The targets on the platform are long-term and short-term; There are high amounts, and there are low amounts. It depends on whether the combination of interest rate and maturity is reasonable;

Wealth management products supervised by banks are still relatively reliable and can be used with confidence. There are also several companies with better risk control systems, and the most important thing is Pintai.

There are risks, and now the electronic spot is relatively stable, and it is good to follow the right returns.