The first thing you need to do is to get a good deal of money to buy some financial products.

In life, most residents put idle funds in addition to the bank, is to buy some financial products, then, financial products safe? What are the common risks of financial products? The following Xicaijun has prepared the relevant content for your reference.

As long as investors buy financial products in the formal platform, for example, banks, securities companies, Alipay and other platforms, its security is relatively high, but this does not mean that investors buy financial products will not lose money, no risk, which is the most common risks are as follows:

1, the market Risk

Wealth management products raise funds will be invested in the relevant financial markets, the financial market fluctuations will affect the financial products principal and income, for example, the financial market market is worse, will lead to investors to buy wealth management products to follow the decline, the possibility of loss.

2. Credit risk

If the investment in financial products is related to the credit of a certain enterprise or organization, such as purchasing bonds issued by the enterprise, investing in corporate trust loans, etc., the financial products need to bear the corresponding credit risk of the enterprise, and if the enterprise defaults, bankruptcy and other situations, the investment in financial products will suffer losses.

3, liquidity risk

Some financial products have a long term, and during the life of the financial products, investors may face the risk of not being able to redeem the financial funds in advance or face the risk of loss due to the realization of funds in accordance with unfavorable market prices.

4, operation and management risk

The bank is the trustee of the financial products, the level of its management and disposal of financial products, as well as whether or not it is diligent and conscientious, which directly affects the realization of the financial returns of the financial products investment.

5, inflation risk

Since the financial products income is paid in the form of money, in the period of inflation, the purchasing power of the currency decreases, the actual income of the financial products after the maturity of the fall, which will bring the possibility of loss to the financial products investors.