There are no bad products but the question is whether you sell them properly,” said an unnamed banker. “The question is not whether it is right to sell high-risk products, which is common overseas, but whether you sell a high-risk product to the right client. The problem is when a high-risk product is sold to investors with high vulnerability.
— Found in the blogarticle Watchdog pounces on high-risk sales - http://www.china.org.cn/business/2008-05/05/content_15063094.htm