More than half of off-balance-sheet wealth-management products are linked to asset pools rather than specific investments, making it impossible to know the real returns. The maturity mismatch, poor transparency and lack of clarity about bank responsibility add to the risks.
The wealth-management products are actually a type of investment products. It is different from deposits, and investors must shoulder some risks. The question is do they know the risk. Apparently not right, if not why would anyone rush in? But shouldn't the bank tell them?
Some banks display a sentence about the risks on a screen at the entrance to their branches. Still, investors have sought and received compensation for losses in the past.
Full Repayment 
For the first default of such a product, the principal was repaid in full after regulators stepped in and a guarantee firm bought the assets.
Bank of Communications Co. also is compensating investors for a wealth-management product whose value dropped 20 % in two years. With these as the precedent, how would investors learn, it almost seems safe !!!!
Many believe -The big question is not only how do banks meet their ever-growing obligations, but also how to make hundreds of millions of investors realize that these are not real deposits. The best solution is to just stop the bank from selling such products in the first place...lol....
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