Following the previous issue of this newspaper's "Financial Weekly" exposure of banks' perfunctory risk tests, last week another reader tipped off this newspaper: the instructions of some foreign exchange wealth management products sold by banks are like heavenly books, completely incomprehensible. "Some products are so complicated that not only ordinary people, even the wealth management managers may not fully understand them," said the reader. The reader believed that the overly abstruse product instructions would no doubt lay dangerous hidden risks for consumers' financial management consumption. Phenomena such as marketing personnel's insufficient revelation of risks and untimely notification of capital maturity payment also intensified consumers' concerns over the risks in the financial management market.