Grade 1 and PR 1: conservative, with low risk grade. The product is guaranteed, and the expected income is less affected by risk factors; Or the product is not guaranteed, but the principal and expected income are less affected by risk factors and have high liquidity.
2.PR2 level: low robustness and risk level. The product does not guarantee the principal, but the principal and expected income are less affected by risk factors; Or a structured deposit wealth management product that promises to protect the capital but has great uncertainty about the product income.
3.PR3 level: moderate balance and risk level. The product does not guarantee the principal, and risk factors may have a certain impact on the principal and expected income.
4.PR4 level: growth and high risk level. The product does not guarantee the principal, and the risk factors may have a great influence on the principal, so the product structure has certain complexity.
5.PR5 level: growth and high risk level. The product does not guarantee the principal, and risk factors may cause great losses to the principal, so the product structure is more complicated.
ICBC's wealth management channel focuses on wealth management products, funds, insurance, bonds and other products, supports online direct purchase, and provides customers with rich product information and convenient online financial services in cooperation with the data query of wealth management products and fund net value.