In China investors are turning from classic deposits to a higher return wealth management products; this pattern is revealing risks towards the Chinese banking system. Prosperity management products are a mix of short term investments such as provides, money market money and other investments and the potential risk is the fact banks commit the proceeds from sales of such products in securities with longer maturities than short-run investments; the moment products mature, banks persuade customers to either roll over the investments or fork out using funds raised through the sale of new releases, but that strategy may fail if with regard to new products drops and financial institutions do not have enough money to pay holders of maturation products ultimately causing serious repayment problems. Rather than managing every single product independently, Chinese banking institutions mingle all of the funds from the products sold into one pot which is in that case invested, the pot has earnings from the go back of investments and also through the sale of new products which the banks can then use to cover redemptions. Banks need to invest in long term assets to get the returns that they promise to customers and can not manage to be cashing out of investments every time a product matures. As stated inside the article one of the main reasons that investors are choosing higher return wealth managing products is the fact banks continue to market all of them as a low risk alternate and in some cases sales people advertise these people as a risk free products. There are lots of rules which were issued necessitating banks to reveal important specifics about risks involved when investing in high come back products, it is necessary to have buyers aware of the potential to lose cash. Investors can combine wealth management resources with risikomanagement when doing their financial and investment going to maintain and enhance their income.