“宝宝”如雨后春笋破土而出,带给投资者收益的同时也带来了未知的风险。尽管高收益吸引着投资者,但仍需谨慎对待每一款产品。本文分析了“宝宝”类产品收益率不断衰退的原因,以及现有各类“宝宝”产品的特点,警示投资者在投资时勿忘技术操作风险、政策风险、经营风险、法律风险等一系列风险因素,做到未雨绸缪。 “Baby ” mushroomed after the spring, bringing investors the benefits but also brought an unknown risk. Although high yields attract investors, they still need to be cautious about each product. This article analyzes the reasons for the continued decline of the rate of return of “Baby” products and the characteristics of existing “Baby” products to warn investors not to forget about technical operation risk, policy risk, business risk, and law when investing Risk and a series of risk factors, so take precautions.