依据风险和收益成正比的原理，如果发行理财产品的商业银行面临着较大的风险

According to the principle of proportionality between risk and return, if a commercial bank issuing wealth management products faces greater risks, the risks of the wealth management products issued are also greater, and investors will accordingly require a higher rate of return as compensation for risks. Therefore, on the one hand, investors want to purchase wealth management products with higher yields, and on the other hand, investors want to invest their money in commercial banks with high reputation and low risks. Therefore, when investors purchase wealth management products, wealth management products with lower returns often mean lower risks. Therefore, it is necessary to weigh risks and returns and make rational investment choices.

According to the principle of proportionality of risk and return, if the commercial banks that issue wealth management products are faced with greater risk and the financial products issued are also more risky, investors will demand higher yields as compensation for risks. So, on the one hand, investors want to buy higher-yielding wealth management products, on the other hand, investors want to invest money in high-reputation, less risky commercial banks. Therefore, when investors make the purchase of wealth management products, the lower income of wealth management products often means lower risk, so need to weigh the risk and return, to make rational investment choices.

According to the principle that the risk is directly proportional to the return, if the commercial banks issuing financial products are faced with greater risk, the risk of the financial products issued is also greater, the investors will demand a higher rate of return as compensation for the risk. Therefore, on the one hand, investors hope to buy higher yield financial products, and on the other hand, investors hope to invest their money in commercial banks with high reputation and low risk. Therefore, when investors purchase financial products, financial products with lower income often mean lower risk, so they need to weigh risk and income, and make rational investment choices.<br>