【中文版】

银行理财是一种受欢迎的投资方式，但是由于各种因素的影响，也存在一定的风险。以下是银行理财可能存在的几种风险：

首先，市场风险是银行理财中最为普遍的一种风险。银行理财产品的价格受到市场利率、汇率、股票价格等因素的影响，如果市场行情不好，理财产品的价格可能会下跌，投资者可能会面临损失。

其次，信用风险也是银行理财中存在的一种风险。银行理财产品通常会投资于多个不同的资产，其中可能包括一些信用等级较低的资产。如果这些资产出现违约情况，投资者可能会面临损失。

此外，流动性风险也是银行理财中存在的一种风险。银行理财产品的流动性通常比存款要差，投资者在需要资金时可能无法随时赎回理财产品。

最后，政策风险也是银行理财中存在的一种风险。政府的政策调整和监管措施可能会对银行理财产品的投资产生影响，从而影响投资者的收益。

因此，投资者在选择银行理财产品时，需要根据自己的风险承受能力和投资目标进行选择，并充分了解产品的风险收益特征和投资组合情况。同时，投资者也需要注意及时关注市场动态和政策变化，以便及时调整自己的投资策略。

【英文版】

Bank wealth management is a popular investment method, but there are also certain risks due to various factors. The following are several risks that may exist in bank wealth management:

First, market risk is the most common risk in bank wealth management. The price of bank wealth management products is affected by market rates, exchange rates, stock prices and other factors. If the market conditions are not good, the price of wealth management products may fall, and investors may face losses.

Second, credit risk is also a risk in bank wealth management. Bank wealth management products usually invest in multiple different assets, including some assets with lower credit ratings. If these assets default, investors may face losses.

In addition, liquidity risk is also a risk in bank wealth management. The liquidity of bank wealth management products is usually worse than deposits, and investors may not be able to redeem the products at any time when they need funds.

Finally, policy risk is also a risk in bank wealth management. Government policy adjustments and regulatory measures may affect the investment of bank wealth management products, thereby affecting investors' returns.

Therefore, when selecting bank wealth management products, investors need to choose based on their own risk tolerance and investment goals, and fully understand the risk-return characteristics and investment portfolio of the products. At the same time, investors also need to pay attention to market dynamics and policy changes in order to adjust their investment strategies promptly.