Is chaozhaojin safe? Will it lose its principal

Zhaozhaojin is a financial product launched by China Merchants Bank , all day 24 Hours can be redeemed , Redemption can arrive in real time . But as a financial product , How about its security and risk is what we are more concerned about , Now let's take a look at the specific situation .

Is zhaozhaojin safe ？

【1】 From the perspective of platform

Zhaozhaojin is actually a financial management plan of China Merchants Bank , According to zhaozhaojin of China Merchants Bank （ Multiple positive type ） Financial planning product description , China Merchants Bank is responsible for the investment operation and product management of this financial management plan .

China Merchants Bank is the first joint-stock commercial bank fully owned by enterprise legal persons in China , It is a large national commercial bank , At the same time, it is supervised by the China Banking and Insurance Regulatory Commission , So from the perspective of the platform, the security is still very high .

【2】 From the perspective of investment object

Chaozhaojin's funds are mainly invested in various bank deposits 、 Interbank 、 Financial assets and instruments in interbank and exchange markets , Including but not limited to bank deposits 、 Certificate of deposit 、 bond 、 Inter bank deposit receipt 、 Asset Backed Securities 、 Buy resale assets , And money market funds 、 With money market instruments 、 Other fixed income financial assets and financial instruments that meet regulatory requirements, such as asset management products with standardized debt assets as the subject .

Simply speaking , Mainly some fixed income products with relatively small short-term risks .

【3】 In terms of risk level

Zhaozhao metal Yu R2 Medium and low risk level ,100% Main investment fixed income assets , Not involved in the stock market , And mainly high mobility varieties , But there are still some risks , There is a possibility of loss .

In short, the selling platform is relatively reliable , The product itself has low risk , However, it does not fully guarantee the capital's absolute return to break even .