登录中国工商银行网上银行,选择“我的网银-设置-客户信息管理-风险能力评测”功能(6个步骤图如下),办理理财风险能力测评,有效期一年。
温馨提示:首次购买中国工商理财产品,需持有效身份证件和储蓄卡到全国任意营业网点办理。
(1)进入中国工商银行官网。
![](https://iknow-pic.cdn.bcebos.com/b8014a90f603738db456e2c8bd1bb051f819ec38?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
(2)点击登录。
![](https://iknow-pic.cdn.bcebos.com/9a504fc2d56285357bff3ccb9eef76c6a7ef6339?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
(3)点击“我的网银”。
![](https://iknow-pic.cdn.bcebos.com/3c6d55fbb2fb4316201e93902ea4462308f7d3d3?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
(4)点击“设置”。
![](https://iknow-pic.cdn.bcebos.com/11385343fbf2b211e9466ca4c48065380dd78ef4?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
(5)点击“客户信息管理”。
![](https://iknow-pic.cdn.bcebos.com/cf1b9d16fdfaaf5155c26855825494eef01f7a33?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
(6)点击“风险能力评测”。
![](https://iknow-pic.cdn.bcebos.com/09fa513d269759ee74298921bcfb43166c22dfdb?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
不同理财产品风险水平存在差异,而客户的风险能力测评结果低于理财产品风险水平,则不允许购买该产品。
目前办理个人理财产品(非私人银行产品)申购和赎回交易,一般不收取手续费。