Risk grade of CCB merchants
CCB's risk assessment score of 73 can be passed.
When filling in the risk assessment of CCB, we must ensure the authenticity and validity of the information. For some amounts, we can increase it slightly to increase the pass rate. In risk assessment, investors' age, monthly salary, investment and trading experience, etc. Generally speaking, there are requirements. According to the final evaluation results, determine what kind of wealth management products investors are suitable to buy. If the conservative risk assessment of CCB fails, you can take your ID card to the bank for risk assessment. Failure to pass the conservative risk assessment means that only the same level of wealth management products can be purchased.
2. CCB customer risk classification
Bank financing is mainly divided into five grades: R 1 (cautious), R2 (steady), R3 (balanced), R4 (radical) and R5 (radical).
R 1 is also a common low-risk financial investment product. The main investment channels are low-risk investments such as treasury bonds, insurance financing, large deposit certificates and bank financing.
R2 is a common low-risk financial product, and it is also the mainstream financial product of market banks. It mainly invests in low-risk and low-risk products such as treasury bonds, reverse repurchase, insurance wealth management, large deposit certificates, bank wealth management, money funds and trusts.
R3, a common medium-risk wealth management product, increases corporate bonds, and can also invest in a certain proportion of stocks, commodities and foreign exchange. And the proportion of funds invested in high-volatility investments should be less than 30%. Because there are highly volatile investment products, the principal may be damaged to a certain extent;
R4 level, a common wealth management product with medium and high risk level. Except for the investable products with R3 rating, the proportion of funds invested in high-volatility products can exceed 30%.
R5 is a high-risk wealth management product, without any investment restrictions, and can even use leverage, grading and derivatives for investment.
Therefore, the most important thing in investment and financial management is to choose products suitable for your income target, risk preference and liquidity requirements, and choose a "reliable" platform with credit endorsement.
3. CCB risk classification
Responsibilities of the General Manager of Risk Management Department:
1. Formulate and organize the implementation of the annual work plan of the risk management department;
2. Take the lead in formulating the internal management system, business process and operating procedures of the department;
3. Approve the credit business within the scope of authorization, and review the review report of the loan review post;
4. Be responsible for conveying the spirit of the risk management condition document of the Head Office and the implementation of the credit policy of the Head Office in branches;
5. Spot check and review the important business data of daily risk management;
6. Organize monthly and quarterly credit risk classification meetings;
7. Organize and arrange post-loan management of credit business;
8. Submit the asset quality analysis report of the branch to the Risk Management Department of the Head Office regularly (monthly) or irregularly, and be responsible for reporting the major risk events of the branch;
9. Collate the feedback opinions of branches on the credit policies and systems of the Head Office, form relevant improvement suggestions and report them to the Risk Management Department of the Head Office in a timely manner;
10, responsible for the daily management assessment of employees in this department.
4. What is the risk assessment result of CCB?
Fill in the risk assessment report according to the real situation, and the bank will recognize it.
If investors need to go to the bank counter for risk assessment when purchasing bank wealth management products for the first time, investors can also bring their ID cards to the bank counter for questionnaire assessment, and the bank will classify them according to the investors' answers.
At the same time, investors can evaluate through the bank's mobile banking. Generally, if it is the first time to buy wealth management products in mobile banking, it will be required to conduct a questionnaire survey according to the page prompts, truthfully answer relevant questions and complete the evaluation.
5. Risk assessment level of CCB
The financial risk assessment is divided into five grades: R 1, R2, R3, R4 and R5.
1.R 1 (cautious) low-risk category, with guaranteed capital and zero loss probability. The products include national debt, deposit products, guaranteed capital financing, etc.
2.R2-level (robust) low-risk category, non-principal-guaranteed, and the loss probability is close to zero, such as bank current wealth management, most bank wealth management and other wealth management products.
3.R3 (balanced) medium risk category, non-principal-guaranteed, fluctuating income and low loss probability. Products include bonds and hybrid funds.
4.R4 (aggressive) is a medium and high-risk category, which is non-principal-guaranteed, with high principal risk, large income fluctuation and high loss probability. There are equity funds, private equity funds, trust products and other wealth management products.
5.R5 (radical) high-risk category, non-principal-guaranteed, with high principal risk, high income, high risk and high loss probability, with leveraged products such as futures.
6. CCB risk assessment grading standards
If investors need to go to the bank counter for risk assessment when purchasing bank wealth management products for the first time, investors can also bring their ID cards to the bank counter for questionnaire assessment, and the bank will classify them according to the investors' answers.
At the same time, investors can evaluate through the bank's mobile banking. Generally, if it is the first time to buy wealth management products in mobile banking, it will be required to conduct a questionnaire survey according to the page prompts, truthfully answer relevant questions and complete the evaluation.
After the evaluation, banks will recommend financial products with different risk levels for different types of investors.
7. The correct answer to CCB's risk assessment
Here's the process,
1. When applying for opening an account, you must go to the business outlet with the dragon card or wealth management card of China Construction Bank and valid identity documents. Fill in and sign China Construction Bank Personal Customer Risk Assessment Questionnaire, China Construction Bank Product Suitability Assessment Questionnaire, China Construction Bank Personal Precious Metals Trading Agreement, China Construction Bank Agent Shanghai Gold Exchange Notice and Risk Warning, and Agent Gold Exchange Precious Metals Trading Business Application/Confirmation Letter to open the precious metals trading function of the gold exchange. (Customers who establish agency relationship with other members must first cancel the contract with other members and inform the original gold trading code when signing the contract at the counter);
2. After successful account opening, transactions can be conducted through online banking or mobile banking of China Construction Bank on T+2 trading day;
3. If you need to pick up the goods, you can apply for picking up the goods through the online banking of China Construction Bank during the trading hours, and pick up the goods at the warehouse designated by the Gold Exchange every Friday (working day) with the designated picker of China Construction Bank.
8. CCB risk assessment classification basis
Your consumption behavior has been judged as risky by the bank, and the risk level is level 3! Now that you are the object of bank monitoring, you must change your consumption behavior, otherwise the bank will probably freeze your bank card.
The risk level 3 of bank wealth management products is "medium".
According to the different risk levels of wealth management products, bank wealth management products can be divided into the following categories:
1. Risk-free financial products According to different risk levels, the safest bank financial products are risk-free financial products. Deposits and treasury bonds are guaranteed by banks. State-owned banks and commercial banks have absolute stability in China's financial industry, so this kind of wealth management products will not appear any risks, which can be said to be the safest, lowest risk and most stable income-guaranteed wealth management products among all wealth management products.
2. Low-risk wealth management products According to the different risk levels, the second type of bank wealth management products are low-risk wealth management products, mainly including various monetary funds. The money fund's wealth management products have the advantage of low risk, and with the guarantee of banks, the risk of wealth management is reduced again in the same type of money funds, which is a family wealth management product suitable for the middle class.
3. Medium-risk wealth management products are classified according to different risk levels. Although their risks are higher than those of the above two wealth management products, their income has obviously increased, such as trust wealth management products and foreign exchange wealth management products. Although it is greatly affected by unstable factors in the financial management stage, the income is ideal and suitable for financial products of high-income groups.
4. High-risk wealth management products According to different risk levels, the highest risk is the high-risk wealth management products of banks, and the natural wealth management income is also the highest. Mainly suitable for investors with high risk handling ability and solid financial management knowledge. Investors who have no risk handling ability and financial management expertise should be absolutely cautious about high-risk financial products to avoid huge losses caused by high risks.
Because there is no uniform regulation on the risk level of wealth management products, banks have adopted different symbols for the risk level of wealth management products. According to the statistics of Yinlv.com, there are mainly the following expressions: R 1 to R5; * * * Numbers 1 to 5; Chinese characters from level 1 to level 5; PR 1 to PR5 from one star to five stars; Letters a to e, etc. All the above statements show that the risk level of bank wealth management products is five, and the risk is arranged from low to high.
9. The latest risk assessment classification of China Construction Bank.
Under normal circumstances, the risk assessment should be truthfully filled in, but in practice, the income and financial management experience should be filled in more, so that the risk tolerance is stronger and it is sure to pass.
10. Risk rating evaluation of China Construction Bank
China Construction Bank's financial risk assessment can be passed if it is truthfully filled in. Under normal circumstances, CCB's financial risk assessment should be truthfully filled in, but in practice, it can increase income and fill in more financial experience, so that the risk tolerance is stronger and it will definitely pass.
If investors need to go to the bank counter for risk assessment when purchasing bank wealth management products for the first time, investors can also bring their ID cards to the bank counter for questionnaire assessment, and the bank will classify them according to the investors' answers.
After the evaluation, banks will recommend financial products with different risk levels for different types of investors.
1 1. The risk assessment level of CCB is divided into five levels.
Level 1: The risk is extremely low, and the guarantee of principal and income is provided, or the probability that the expected income cannot be realized is extremely low, so it is suitable for conservative investors.
Level 2: low risk, no principal guarantee, but the probability of principal loss is extremely low, and the probability of expected income unrealized is extremely low, which is suitable for conservative investors.
Level 3: moderate risk, no principal guarantee, but the probability of principal loss is low, and there is some uncertainty in the realization of expected income, which is suitable for balanced investors.
Level 4: products with medium and high risk, no principal guarantee and high probability of principal loss have great uncertainty in the realization of expected returns, which are suitable for active investors.
Level 5: high risk, no principal guarantee, high probability of principal loss and great uncertainty of expected income realization, suitable for radical investors.