Core Viewpoint - Several major state-owned and joint-stock banks have recently announced adjustments to the risk levels of certain publicly offered fund products they distribute, indicating a trend towards increased risk assessment in the banking sector [1][5]. Group 1: Adjustments by Banks - China Construction Bank (CCB) announced on November 25 that it has adjusted the risk levels of some publicly offered fund products to fulfill its suitability obligations and protect investor rights [1][5]. - The adjustments include a total of 87 products, with 32 products' risk levels raised from "R2 - Medium-Low Risk" to "R3 - Medium Risk," and 55 products raised from "R3 - Medium Risk" to "R4 - Medium-High Risk" [3][4]. Group 2: Regulatory Compliance - The adjustments made by CCB are based on regulatory requirements, including the "Securities and Futures Investor Suitability Management Measures" and other relevant guidelines [4][6]. - Other banks, such as Postal Savings Bank, Citic Bank, and Minsheng Bank, have also made similar adjustments to their fund risk ratings, indicating a broader industry trend [5][6]. Group 3: Market Considerations - The adjustments are driven by both regulatory compliance and current market volatility, with banks needing to accurately reflect product risks due to increased fluctuations in underlying assets [7]. - The trend of raising risk ratings is seen as a proactive measure by banks to enhance investor suitability management and does not necessarily indicate a universal increase in market risk for publicly offered funds [7].