2 1 that night, the US crude oil futures 05 contract fell to a negative value, and the domestic futures trading software could no longer display it. Most of them lost too much and even owed money to the bank. In this regard, banks have the right to apply to the People's Bank of China for the inclusion of arrears records in their credit information, that is to say, when investors do not take the initiative to make up the arrears in the crude oil treasure account, the margin account will not be guaranteed. So, what about investors who lose money in crude oil? What should investors do if the crude oil treasure loses money? According to relevant laws and regulations, investors need to pay off bank debts. Although the Bank of China has not withheld the funds from the bank card for the time being, the crude oil treasure account has been emptied, including deposits. This shows that the risks and benefits of crude oil treasure are also significantly higher than those of conventional capital preservation wealth management products, which is not suitable for ordinary investors to participate. According to the investigation of crude oil products linked to overseas crude oil futures, similar to futures trading, Bank of China issued a statement on crude oil products. At present, the main participants will still settle according to the rules of the exchange and refer to the settlement price. Bank of China has completed the expiration of the contract in May as agreed in advance.