The risks of wealth management products are basically the same. First, the use of funds is unknown (cheated), and second, the principal and interest are unable to repay (default). The first preventive measure is to try to find regular banks and trust companies to issue wealth management products. Each product will be marked with the borrower's interest on the use of funds, repayment time and other information, and various industrial and commercial registration documents will be attached to prove the authenticity of the enterprise. For the second article, it is to find financial products with clear debt protection. Basically, large wealth management products will have government budget as repayment guarantee, which is less risky. It is forbidden to find small loan companies or private lenders because of the high interest rate. Once there is a problem with the principal, it will not be worth the loss.