I received a short message from ICBC today, saying that my risk assessment is about to expire. Do you have such a service?

The validity period of risk assessment is generally one year. After the expiration, the customer needs to re-evaluate. You can use online banking or go to the bank, otherwise it will affect your purchase of wealth management products.

Risk assessment refers to the quantitative assessment of the impact and loss possibility of a risk event on human life, life and property before or after the risk event (but not yet over). That is, risk assessment is a quantitative assessment of the possible impact or loss of an event or thing.

From the perspective of information security, risk assessment is an assessment of the threats, weaknesses and impacts of information assets (that is, the information set of an event or thing), and the possibility of risks brought by the combination of the three. As the basis of risk management, risk assessment is an important way for organizations to determine information security requirements, which belongs to the planning process of the organization's information security management system.

It means that the "validity period" of investors' risk rating has passed and needs to be re-evaluated.

For users who have not conducted risk assessment or whose risk assessment has expired, when users log in to the homepage, investment details page and personal center, there will be relevant prompts to guide users to fill in the risk assessment questionnaire.

When opening a securities account, investors need to evaluate their risk tolerance. The evaluation of investors' risk tolerance needs to comprehensively measure investors' age, investment experience, assets, family situation, work situation and other factors, and these factors will change with the migration of time, and the risk tolerance will increase or decrease accordingly.

Extended data

When there are important changes in income and assets, it often means that the actual risk tolerance of investors may have changed. At this time, investors must remember to re-participate in an investor's risk tolerance assessment, so that the system can give investors the most authentic risk assessment results and thus obtain more scientific investment services.

The risk assessment of investors is not only the platform's risk education for investors, but also an effective understanding of investors' self-risk tolerance. In addition, investor risk assessment can also consider the fit between investors and wealth management products according to their risk preferences and risk tolerance, which is also a precautionary measure.